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david
I think that you are finding that the boat insurance industry is starting to look seriously at "sold" figures to value the boats they will insure...along with a current survey...The asking prices you and I see on yachtworld bear no resemblance to what the boat actually sells for or surveys at.
I also don't think that what a boat owner adds or "upgrades" is meaningful to them either...kind of like houses.. You will have a hard time finding someone who will insure a 20+ year old boat for an "agreed" value....to them the boat is worth $XXXX.XX plain and simple, they have no emotional attachment to it or care.
Best of luck...
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