that's odd for ski safe. granted we are an older boat but '14 with agreed value of 70k plus trailer. 3 month layup. stored offsite. generous limits and believe we are at 1k deductible and it's under $400 for the year. I know if you don't choose the layup option it becomes quite a bit more but it's pretty easy to not use it for 3 months in the dead of winter with thanksgiving/christmas and other trips in the way.