Boat Insurance
 

Who do you guys all use for your "on the water" insurance.
I need to shop around some but want to make sure im getting the coverage i need. hitting obstructions in the water making holes in the boat, grounding out and sending the lower unit flying, ect.
after a conversation with my wife the other day, im under the impression the boat is insurance poor and thats got me a little on edge as i was under the impression (yeah i know) that her and our home/auto insurance agent got us everything we need.

I've got farm bureau for everything. They just replaced my lower unit a few months back after I hit something on chickamauga.


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I use State Farm (on nearly everything) and carry a rider on fishing equipment/contents. Unfortunately, I had to use it years ago when two tackle bags were stolen from my boat. They paid my estimated cost for the equipment without hesitation.