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Gee, that sounds good to me. As long as it covers medical claims, electronics on your boat, and the most common damages to your boat. Ask the questions get the answers in writing. If towing is not covered, at that price go to Boat US and get the cheapo membership with towing or sea tow.
Make sure you have all the safety devices requried, PFD's, horns (notice more than one), throwable PFD, manual pump, flashlights, radio, gps and epirbs( if you can afford one) . Keep the reciepts and take pictures of the devices installed.
You mentioned your mooring the boat and living in Goshen, thats a long way off. Will you be checking your boat frequently??
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