I got mine boat loan and insurance through state farm and they have never
seen the boat.

Was it a new boat?

That make a difference between an insurance company asking for a survey, or
not.

If you go through a car insurance company, like State Farm, rather than get a
"yacht" policy it will be easier to insure any boat. Downside is that most car
insurance companies want to depreciate the boat on the same or similar schedule
as a car in case of total loss. Two years old? You might have to settle for
50-60% of original cost. With a yacht policy, you will get a previously agreed
upon "hull value" in the case of a total loss- typically much closer to the
original purchase price.