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AEOLUS II
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Rates in Lake Lanier would be far more reasonable than the South Atlantic, FL or the Gulf on a 20yo+ 30ft+ s/v.

An agreed hull value is important, but so are exclutions and special deductibles for named storm or even common wind storms.

Salvage and wreck removal should be paid IN ADDITION to the agreed hull.

Find out.

I shopped Progressive, Allstate, BOAT/US and a few specialty carriers.

These coverages and rates seemed reasonable but others had huge gaps in them.

Excluding "failure to maintain the vessel in a seaworthy condition" or "consequential damages" may mean you have no coverage in the event the vessel sinks or the rigging fails.
 
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