Check out progressive. They give you an agreed value on your boat and everything in it. The premium isn’t bad. The only thing I don’t know about is how good the coverage is, I hope I never have to find out.
I have Progressive on the boat adn my gear adn unfortunately had to file a claim. It was probably the most pleasant experience I have had with an insurance company. I actually got more money that I put in a claim for, they added the sales tax on the amount I lost.
I am really happy with them for all my insurance because of that experience.