You really need a different insurance company. None of the issues that you've mentioned is really a danger to the well-being of safety of the boat.
The Fire Extinguishers and Flares are basically normal maintenance items IMHO. The placards are needed for USCG compliance.
The hour meter and tachometer aren't going to affect how the engine works or how safe it is to any significant degree. It might affect your ability to keep a proper maintenance schedule and make it a bit more difficult to judge how hard you're pushing the engine, but that's about it.
The slight wetness in the deck needs to be addressed and repaired properly, but isn't an immediate threat to the boat or its well-being IMHO. Same with the gelcoat and the holding tank.
Contact Christine Hartge over at Hartge Insurance.
Hartge Insurance Associates
P.O. Box 250
Galesville, MD 20765
Phone: 1 (800) 999-5251/410 867-6666
Fax: 410 867-6664
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.