Boating Insurance

Just renewed my boating insurance policy for the year, just wondering what everyone else is paying and who you are going through…
I ran some quotes through different places and couldn’t find anything cheaper (Gieco, State Farm, Boat U.S.)

Allstate - $196/yr full replacement with I think 100k liability
19’ Open-bow 4cyl. 135HP

mine’s not worth enough to hold insurance on it

My agent ballparked me $240 for full coverage.