The only online quote I could get, primarily because most didn't want (after answering a miriad of questions) to insure a boat with a value of less $5K. Maybe that has something to do with this premium? Or, the fact I stated I'd be racing in Hobie sanctioned points regatta (didn't specify how many). The other stumbling block was even though a sailboat was specified, the program had to know the type, qty and hp of engine. Progressive customer service stated I'm using an "unacceptable" browser. Another site would kick me out until I finally reduced the top speed to 15 mph, only to get to the $5K minimum value.

Type of Boat : MIRACLE 20 1993 HOBIE CAT 20
Cruising Area : U.S. & Canada Coastal & Inland Waters

SUMMARY OF COVERAGES
Boat and Boating Equipment-Actual Cash Value Not to Exceed : $3,300.00
Boat and Boating Equipment Deductible : $250.00
Theft Deductible : $500.00
Boating Liability :
Per Person Each Accident : $50,000.00
Aggregate Limit Each Accident : $100,000.00
Fuel and Other Spill Liability : $500,000.00
Medical Payments-Limit Per Person Each Accident : $1,000.00
Boat Trailer - Actual Cash Value Not to Exceed : $700.00
Trailer Deductible : $100.00
Sporting Equipment : $250.00
Sporting Equipment Deductible : $50.00
Uninsured Boater Protection-Limit each Accident : $100,000.00

TOTAL ANNUAL PREMIUM : $175.00
MEMBERSHIP (Required if not a Member) : $14.00
TOTAL ANNUAL COST : $189.00

Was it Trey or Maughan that have $12K for $180.

I'm glad there's the $500K coverage in case we "spill" a beer Time to talk to a human.