Keep in mind, though different states have different laws. That translate into different pricing. Also, your "garaging zipcode" (place you primarily store your boat) will factor into your price also. I learned that the hard way with my first car. I bought it from a friend of mine, we were same age, and lived only a few blocks from each other. We used the same company, as our parents each had the same one. My insurance was $80/month higher. I lived in a higher rates zip code.
Ketchup, call an underwriter and ask for a copy of the "policy definitions". It will be the bible of what is and isn't covered.