A couple of years ago I had a policy through the United States Power Squadron and they changed carrier and I got to talking with  Liberty Mutual who has my auto and home insurance. They gave me a policy about $600 and did not require a survey.

Enrique;
I was insured with BoatUS for the last fifteen years without a claim here in Florida. When I purchased the Catalina 36 several years ago, I naturally insured with them; Their price for 2014 was $2300.00 and the same for 2015 with a recent survey.
Then I started asking around and it seemed that the average price for a stated & agreed value policy was more like $1000.00 to 1300.00 for the same coverage. I called BoatsUS and asked what I was getting for my extra thousand bucks?
Their response was rather interesting; (which was) 'We'll be happy to write you a policy with Geico for $1200.00 for the same coverage' Next question; When were you going to tell me that I could get a less expensive rate ? Response; 'Well, we do not normally do that with exsisting clients'

The clear cut message here is that you should shop for insurance every year and check what the going rates are. Just don't automatically renew your policy. $1300.00 sounds quite reasonable to me.
Bill
 

 Here is my insurance Co. $ 518.00 per year with agreed value - no depreciation It used to be $ 468.00
Norman-Spencer Insurance Company
Barry Paulsen
cell 916 712-7500
fax 209 466-4515
Norman_Spencer Agency
501 W. Weber Ave., Ste 300B
Stocton, CA.
service@norman-spencer.com
barrypaulsen@norman-spencer.com
marine@norman-spencer.com 

Let us know if you were able to sign up?
No, I am not an insurance agent or work for one.

I have my insurance thru USAA (farmed out to Markell for boats our size ) and we pay around $1,200. You want to make sure what kind off policy you have.... replacement cost (taking depreciation into account) or agreed upon value (which does not depreciate) We have the latter. Some friends were surprise, after Sandy, to discover they had the former and didn't get what they expected for a total loss.

Insurance prices differ a lot depending on value of the boat and amount of liability as well as where the boat is moored including how many months it is in the water and stored on land. When I moved to Florida from Connecticut my premiums went up because my boat was now sailed 12  months a year instead of 7 and had been stored on land up north during the winter. Also I have a rider covering me 100 miles from shore and allowed to be sailed to the Bahamas. I could not get a rider to sail  in Cuban waters. I was offered a policy through a foreign Insurance company to cover Cuba, but it was expensive. If you keep your boat in Florida and want to sail to a northern state the insurance company will not cover unless you get a rider. So if you plan on sailing long distances check your policy for where you can sail to.

Insurance prices differ a lot depending on value of the boat and amount of liability as well as where the boat is moored including how many months it is in the water and stored on land. When I moved to Florida from Connecticut my premiums went up because my boat was now sailed 12  months a year instead of 7 and had been stored on land up north during the winter. Also I have a rider covering me 100 miles from shore and allowed to be sailed to the Bahamas. I could not get a rider to sail  in Cuban waters. I was offered a policy through a foreign Insurance company to cover Cuba, but it was expensive. If you keep your boat in Florida and want to sail to a northern state the insurance company will not cover unless you get a rider. So if you plan on sailing long distances check your policy for where you can sail to.

$519 per year with NBOA.

Cheers

Bob