For what it's worth, I have State Farm, and it costs me $125 yearly. Just to put it out there, I bought a brand new Tracker Pro Crappie in 2005 with a 50 hp mercury. Last summer the crank broke meaning that I had to have a $4500 engine rebuild. The dealer said that it was a defect in the motor. I did not have an arguement, because I had purchased a 5 year extended warranty and all it cost me was 50 bucks. This was the first time that I had purchased an extended warranty on anything, but when reasonable, I will have from now on.