I re-insured thru an agent last year, after Geico/boatUS refused to cover our boat for an increased Agreed Value after a total refit. With new survey in hand - with cited comparable values - a new insurer wrote a policy with no fuss at all. A good marine insurance agency is the different, IMHO.
This is a 1988 boat originally constructed by Ericson Yachts, and then re-engined and refinished by a well known NW ship wright.