ok
I called about 6 companies on your recommendations
one asked me who I had my house insurance with and that I should go with them rather then giving me a quote...this was a broker
most said they would call me back, 2 did not, one said she did not get around to it and the other said they left a message with the person who answered the phone,(cell phone never leaves my side ) so liar
my insurance company get me a price 1040.00 statefarm
broker tupling gave good price 680.00 but did not know much about boats and had to call me back every time I asked a question
NautiMax gave me a price first time I phoned , knew the lingo had the answer to every question 660.00
agreed value so for 14 years if the boat disappears I get new boat price and they are who I went with
thanks everyone for the help