Those quotes are high, I payed I think $ 400 extra for EXTEND policy couple years back for a new johnson 90, wonder if the FICHT stigma has anything to do with it.
If you dont use the heck out of the motor then these policys arent worth it. I never had to make any claims but the policy sold with the boat so it increased the boats value.
One good thing is the policys cover the powerhead{ mine did anyway}
Alan