Try Markel / Offshore
My boat is worth way over the 80k they will cover. (surveys over $125k) Nobody wants to cover my boat for what it is worth for under $4,500 a year. I live in Florida
and it's a 1985 boat.
So, this year I'm changing my policy. I'm only able to get 80k worth of insurance, high deductible, (which is just a way of giving you less then what you are paying for) and no windstorm coverage, for $1,400 a year.
I've never had a claim and have owned this boat for 10 years.
In 2002 I was paying $400 a year for full coverage, Fl and Carib, hurricanes covered. Insurance companies are apparently not making enough of a profit...
I've had to add an insurance agent voodoo doll to my collection alongside the lawyer, evangelist preacher, and used car dealer dolls...