I have commented about this before in another thread, sorry if its a repeat. I have my boat insured on an inland marine policy through the same company that insures everything else that I own. The policy cost is quite reasonable. When my boat became 10 years old, they required a survey. Now, at age 15, they are requesting another survey.
The biggest problem for me is where do I find a surveyor who does sailboats in Northern Michigan?
( Never mind the fact that the boat is on the hard, shrink wrapped, in a locked yard, and quite possibly snow covered, and I am a thousand miles from it. Oh, and they never informed me that they needed the survey until after the boat was already laid up!)