just insured last month with Boat US(Geico) agreed upon value, no survey, just photos of all sides of the boat and interior. whole process took 30 minutes. I've been happy with BoatUS's on the water service in the past (used 1 time on a friends boat). one thing to note, the online quote gives a pre-determined value that wont adjust based on your input. it gave me like a $4k value even though i have a 2018 Suzuki 350
. called them and he pulled up the quote and fixed everything based on restoration, repower, electronics, etc.
I've used charter lakes in the past with great things to say but after following up with the agent for a week and no quote i blew them off. still haven't gotten a quote.
my home and auto is through Allstate but they cap the age of the boat at 35 years so they wouldn't quote me.