has it changed that much? My last boat policy with Progressive was $200 per year and it included replacement cost for my N20 and $1million USD liabilty. And it covered racing.

I recall State Farm had something about the same price.

What did the one design program charge?

Don't forget, if all you can get for primary liability coverage is $300,000, you can buy a personal umbrella liability policy (if you don't already have one) that will boost your coverage to $1 million (or more) for a couple of hundred.

The added bonus is that this umbrella would cover over your auto and home liability policies, too.

There's more than one way to skin a beachcat....