Originally Posted by Bigtalljv
Through BoatUS, I just submitted the app. My problem is I'm not into it for as much as it would cost to replace it. Not sure if they will do that.
You mean your own labor costs? Or just finding another hull in comparable condition?
Just put down what you think the value is (what you paid is mostly irrelevant), they will give you a price based on that value. If its just way out of wack with their perceptions of the value you might need to get it surveyed to demonstrate that your value is legit and not an effort to defraud the insurance (e.g. if it were to conveniently go missing next month).
Knowing insurance's propensity to nickel and dime customers at claim time, I padded my value a few thousand (~10%) over what I paid as a cushion and nobody has ever questioned it. I also haven't had a claim FWIW.
You might need to find a broker if you are having a hard time finding a company willing to insure you.