"A.Boater" wrote in message
...
Who are you insured with? I don't know of any companies that will write a
policy for replacement value, if the boat is over about 5 years old.

A yacht policy is an agreed value policy. Also covers oil spills, and other
boat accident stuff. If the boat is damaged, they repair up to the agreed
value. Boat is totaled, you get the agreed value. BoatUS is that way. As
to insurance of 1mm on the cars, I have $$500k and for an extra $240 a year,
get a $2mm umbrella policy that covers a lot more than car accidents.