The one major thing that having the broker or a documentation specialist can do is to make sure the boat is free and clear of any liens. Normally, marine liens are recorded against the documentation on a USCG documented boat, however, not every one will do this, and if your boat has a lien on it and you've gone through a documentation company, and spent a bit more money doing it, they'll often be responsible for any liens that they missed when clearing the documentation.
If you do the documentation yourself, and have missed a lien, the lien will stay attached to the boat, and then you'll be responsible for it, not the previous owner or the insurance policy of the documentation company. Be aware that not all documentation companies have this insurance or offer it as part of their service. Some are just out to gouge you.
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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.