Puddle Jumper, the rate you are quoted will be based on your experience, past ownership
, credentials, possible discounts for SSCA or USPowerSquadron membership
, plus the age of the boat, the time you have in similar boats, your location, the age and value of the boat, and the phase of the moon.
Reasonable? A lot depends on all the things we don't know from that list.
You might try Al Golden at IMIS. They're not always the cheapest and they're candid about that. They are professionals though, and competitive, and if you think you can do better elsewhere they can often point out what's been quietly missing from the other policy, which often really isn't cheaper.