Boat insurance rates

$250 thru Boat US/Geico
 
2017 20SLXP w/ 115 Yamaha, Full coverage for boat and EZLoader Trailer for $350 from Progressive... 500K coverage for each.
 
So far have got quotes from $400 to $550 a year. Have checked GEICO, progressive, boat us
 
What's your thoughts on Propulsion Plus® Mechanical Breakdown Coverage from progressive?  Sounds good, just wonder on the fine print. 
 
Check your homeowners insurance.
 
Mine is $220.00 annually through AAA
 
I have a replacement cost policy 
 
agreed value on both
 
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