I've been fortunate to not spill or damage any home electronics, or at least anything that had much value at all, and unfortunately with most it's usually something where it's cheaper and easier to pay out of pocket. Or if you have Apple products, you can always pay for whatever the Apple insurance plan is for your phones or electronics. Not sure how PC products work, but I imagine they probably have something similar. With regards to having an insurance broker, I had one for years when I had Traveler's insurance and I couldn't stand them. They charged brokers fees on top of the already somewhat above average insurance prices and I had a multitude of issues with them. The first and biggest was when they told me I didn't have coverage on a previous boat that I had just purchased and was driving across the country with. I called up Traveler's to confirm this and they said that was absolutely incorrect. I had at least three pretty serious issues with them one after an insurance claim from another person that hit me and to where the broker said I wasn't covered. After dealing with their crap for a few years and having a few issues with them, that's when I switched over to Progressive and honestly think that a broker is going to be a waste of money. I did a quick Google search for home, auto and boat policies, of which in about 20 minutes or so I found the top three that I was considering and after bundling everything together Progressive was going to be cheaper, and again they were about $400 less on my daily driver vehicles alone than Traveler's was. Hopefully the agent is someone you know and trust because I had a pretty terrible experience with the agents/brokers that I dealt with. Good luck!
If that's for me, I don't ever go out to Canadian waters in the first place, but if I did, I have a buddy that lives in Sequim, which is right across the way from Vancouver Island. So I'd likely go out fishing with him instead of trailering my boat all the way over there.
Not sure which policy you have with Allstate but my uncle had a policy with them and they tried screwing him over on his boat after it was a total loss. The boat was on the buoy during a wind storm and the chain snapped on the buoy. The boat drifted down the beach and was on the sand for a couple of days after I put an anchor out. A few days later we came back, walked out to knee deep of water and then he took the boat back to where he had it dry stored. He then put the boat back out on the buoy, I don't believe he ever had it inspected, but a few days later it sank. He said he was paying the premiums on the boat and said the value was supposed to be $35k, though I honestly don't know if that was an agreed upon value insurance policy or if it was based off of current blue book values. I'm assuming the latter but I could be mistaken? Anyway, they started at offering him only $8k, saying that there was a "similar" boat to his in Louisiana or someplace like that, which was selling for $8k. Anyway, long story short, he finally got a price that he was ok with, though I don't believe it was the $35k figure that he initially told them he wanted. I guess Allstate said that he could take them to court, but it likely wouldn't have been worth the cost and hassle. Long story short, make sure you, as well as everyone else here, have an agreed upon value insurance policy. That way if the boat is a total loss then you'll get the full amount, not what the insurance company thinks the boat is worth in its current state. Which if it it's totaled, then it'll likely not be worth anywhere near what you've got into it.
