A boat owners policy from State Farm can insure you against most risks of owning and operating your boat, its motor and its trailer.
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Just had my first boat claim in 33 years, 11 years on this boat. A Muddobber made a nest in my cowl which broke loose and caused a piston failure. State Farm did not cover any of the $5,500 cost which makes me think why am I paying them anything? Check your policy closely is all I can say. Your agent will not be helpful in making sure you are well covered through any options they may have.
State Farm will not renew your marine insurance if you have 2 claims. We had 2 claims. First was for damage from a submerged log and the second from wind and hail damage. They did not cancel but refused to renew.