Boat insurance?

[THEFERMANATOR]

I was leaning towards seatow after reading into them a bit. Seatow says they will pay up $5K for towing if somebody else has to do it whereas boat us is $2500 for there regular or $3K for there gold. The other thing about boat us was when I did quotes, it said it would only cover me if I was inshore. I know it's only a skiff, but it is 20 feet long and 8 feet wide, so on calm days I may run out 10 miles to some near shore rocks or troll for kings, don't want to have problems if I do. Just asking though because I know how at face value sometimes plans can look good, but not actually be that good. Need to call my insurance office and ask how much it would cost to add it to it as well. I think they use progressive for there boat insurance. I just know if something happened to my boat, I'd be done for.