Hi Jeff, I'm insured with RACV , they're premiums are reasonable and I've not had any issues with making a claim. In regards to securing your boat chains and locks are a good deterrent but a cordless grinder will cut through them all, if your happy to spend extra time remove the hitch and wheels its a bit of work but it will only make it harder for someone to steal. Perhaps install a gate on your carport, or some lockable/removable bollards and leave a vehicle parked in front of it to make access difficult for theives. A motion activated camera or alarm is another option. Hope this helps, enjoy your new boat.
Cheers.
Cheers.