I finally came up with someone to insure my boats (1 yak, 1 canoe):

$4100 coverage, all risk, $250 deductable, no depreciation for $66 / yr or about 1.5% of the value. They did not require appraisels, but did ask for pictures for their files in case of loss.

If anyone wants further information, send me a message-> dwillis1@rochester.rr.com