Boat US overloads me with garbage mail all of the time. When I finished building my 42'er I asked them for a quote. They said my 5 page survey from a registered boat surveyor wasn't good enough!
Went up the road to the Allstate agent and NO PROBLEMS. Includes towing. Boat US will never get a penny out of me.
I'm guessing Boat US makes their money off of trailer boats that spend the majority of their life sitting in the yard on the trailer.