In an effort to get a new policy on the boat, I got two quotes from our agent. One from Allstate and the other from Erie. We have vehicle and home with erie, but they were ~150/year more expensive. The other thing that I found odd was that they add a 40% surcharge because they informed me that our boat goes over 50mph. I let them know that that speed is not possible with our boat and they said they still couldn't remove the surcharge. I would go with Allstate, but it appears our agent stopped offering it. So, I just wonder what everyone else is using or what others have observed with insurance.