Not quite. Insurance companies submit policies largely based on ISO standard forms. ( a normal form or type of policy used across the country) Most big carriers take the standard form and add to it in coverage. This would change the prices. Forms are written for most normal use of the boats. Circumstances as in charter boats can be deemed on coverage for an extra cost. Where you might see a difference in price for the same boat maybe the location and use frequency of the boat. Jay can respond better to rates and configurations.
