I use Progressive for my boats and have "stated value" policies where you pay for the price you declare (within reason). I've heard Geico does this as well. I used State Farm for a while, but they jack the rates up when the boat reaches a certain age, as they really don't want to insure older boats. My State Farm policy went up 250% in one year - when I called my agent I was told "your boat reached the age that State Farm does not like to insure." So I switched to Progressive. You can do an online quote at http://www.progressive.com