Got a good price on my Progressive/Homesight Homeowners' and a quote on Watercraft comprehensive from Progressive. The Bowrider 200 I just paid $15,000 for is in the attached garage. In case of fire, the boat's coverage under Homeowners' is limited to $1,500. It can be specifically endorsed to the policy if I provide an appraisal letter from the Searay dealer and the additional premium would be $260. I passed. I will get a personal liability endorsement on the Homeowners' for $10 before I take it out. The Watercraft policy is $240 with the "Agreed value" of the boat at $15,000. I can raise that to $20,000 for an additional $20. In case of a total loss, the Agreed value is paid regardless of actual cash value. This is a comprehensive policy with liability, medical, trailering, etc. I will definitely get this policy before taking it out. The policy can be cancelled after a partial year and 90% of the prorated premium will be refunded. That would still leave me with only $1500 in fire insurance while it is in the garage for the winter, like now.