I assume you are looking for replacement value collision
Try applying for minimum coverage liability insurance. After the policy is in place 6 months add collision
I also drop all but comprehensive insurance during the "on the hard" winter time.
Also, if you have bought a boat over 35' you most likely have had plenty of boat time, day trips with other sailors, acting as part of a crew even if it is just untying from dock
and assisting in tying up, cleaning
up the ship, helping varnish
, enjoying the ride or whatever. Add these to you hours, days, months or years on your application.