It most likely will be insurance that is tied to your homeowners policy in a lot of cases. It will cover your boat at its value, will have liability coverage for whatever amout your select and your agent will help you with that. Now a couple of things, your tackle , trolling motor, electronics will only be covered to a certin level and you will have to give values,serial numbers, and up the coverage on them on a seperate rider. And be sure to check that your motor isnt over the coast guard rating for the boat or most companines wont cover it. Mine is rated for a 60 and I have a 70 on it, but my insurance company said that the newest version of the boat is rated for a 70 and the fact I am only 10 hp over they will cover it, That is all in writing my agent made sure of that.