I have had two quotes over the course of 14 years of owning a boat(s) from AAA. They have never been able to beat BoatUS for the same amount of coverage. (both on the Hatt and the cuddy), however, they did beat Boat US on my sea doo's, but only by about $25.AAA boat rate is standalone. I do get a discount on my AAA rate for auto as a result of the boat policy.
I just got a policy with Geico as well. 25k agreed value on my 2004 21' striper, 3k trailer coverage, 300k liability, and 5k medical. Boat and trailer towing included for 357 dollars year. It's 59 bucks a year cheaper than state farm and I don't have to renew my BoatUS membership at 180 dollars every year as it's included in the policy.BoatUS (Geico). I just got full coverage on a Robalo R180 for $247, and that includes TowboatUS boat and trailer towing. Boat/trailer/stuff replacement value was $30K. Hope this helps.