Garrett, insurers normally require a survey
before they will issue insurance on a boat, and in the case of 30+ year old boats...everything gets harder.
If it is your first boat, if you don't have experience in the same type of boats, if you haven't had a policy with the insurer before, anything you can think of and some insurers won't issue a policy. The least selective insurers tend to be the ones that you may have homeowners, renters, or auto insurance with. If the boat is small enough they may be able to simpy add it onto your policy (typically, 26' or 28' or not much larger) although their coverages also tend to be more limited.
You may also want to make sure the policy covers environmental issues and salvage
, because if you or
someone else sinks your boat, you can face a fast $10-25,000 fine for the pollution from leaking petrochemicals and double that for mandatory salvage
to remove the boat from any area that might "endanger" other traffic. Cheap
policies probably won't cover those major liabilities.