BoatUS/Geico agreed value. You pay for the coverage you want, with some limitations. Supply serial numbers, take photos, give copies of receipts for major items you want insured like electronics, etcetera.
1971 Seafari 20' sterndrive, agreed value $6500, premium $320 paid annually.
1988 18' Superfisherman, 2010 Etec 90, agreed value $7750, premium $297 paid annually.
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Common Sense is learning from your mistakes. Wisdom is learning from the other guy's mistakes.
Fr. Frank says:
Jesus liked fishing, too. He even walked on water to get to the boat!
Currently without a SeaCraft 
(2) Pompano 12' fishing kayaks
'73 Cobia 18' prototype "Casting Skiff", 70hp Mercury
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