Why ask us? Your question is 'kinda like "how much does a 2008 car cost?"
I've found a quick call to Boat/US or any other insurance broker will give quick and accurate results.
Questions to asked and details given to insurer:
- Your claim history
- your previous marine
(other than claims)
- insured value
- named storm deductible
- crew size
- personal effects insurance
- special electronics
- your FICO score
- permanent marina location
- liability coverage
- spill and environmental damage liability
All have a significant impact on the premium. I know that on our boat the premium can vary by over 40% when altering some of the parameters above
a small clue: Our Caliber 40 cutter
insured at $190,000 with 2% deductible and 4% in a named storm kept in a secure Port Charlotte Harbor
(SW Florida) marina and sailed to the Bahamas, T&C, US East coast
was just quoted at $2,500 by Boat/US.
That amount is over twice what we pay for the identical coverage in San Diego
or Puget Sound
, which allows us to sail anywhere within 200-miles of the North American West Coast
south of Cape Scott on Vancouver Island (~55 degrees N) and North of Punta Banda, 50 miles south of Ensenada, MX (30 degrees N)
We have 22-years with Boat/US and NO claims.
I got a quote from BOAT/US for a 50' steel trawler
based in Port Charlotte valued at $500,000 and the quote was "about $3,600 to $4,000" depending on some of the details to be worked out. The cruising range would have been the same as with the sailboat.
OP asked "Any special Training that would Decrease the cost ?"
Boat/US offers no premium reduction for USCG Captain
licence, at least to me.