I must Insure, Shouldn't I?

[kendall]

Liability only, or 'agreed value' insurance (under a certain price break) generally doesn't require a survey.

If all you want is to be covered in case you damage someones property, liability is the way to go. If you want your boat covered in case of damage, agreed value is generally the cheapest way to go.

People who are constantly upgrading and putting a lot of money into the boat would be better of to go with conventional full coverage insurance

I went with agreed value because while I love my boat, I have a realistic idea of what it would take to replace it, and in the event of accident, would rather get back on the water with the least hassle possible.

 

[FastOlson]

I would guess that you would need a current survey.
Such a well known production frp boat should be easy to insure, it seems like.
Have you spoke to BoatUS?
I have insured with several different companies and agents over the decades, and am with BoatUS now. The few sailors that I have ever met that had a claim said that they paid promptly.

However you insure, even if thru a household plan add-on, just be real sure that your policy covers "wreck removal and pollution abatement".
If you ever have a sinking and even a few paltry gallons of gas goes into the water the clean up will be mandated by the CG and the meter can run up at 10K per day.

Be sure to protect yourself.

Fair winds,
LB