This hard top boat cover is designed for panels to fit the bow, middle, and stern section of different width and length size boats of similar design through using a “mix and match” system. This means that each section will have more than one panel that can be chosen from for a proper fit. The result is a hard-shell boat cover that can be created for different width and length boats solving the problem of having just one size cover that fits one size boat. The cover's overlap design allows it to fit several boats without interference from gunnel attachments or interior boat obstructions. The cover's design works with an adjustable bracket brace that holds the panel covers up over the boat while being held down by straps that connect it to the boat trailer. The bracket brace design can be placed on a range of gunnel widths and at locations on the gunnel that adjust to the width of the beam of the boat for a snug fit without scarring the gunnel.