Insurance is a very complex undertaking and one filled with danger.
The above is not an exaggeration but may be understatement.
Policies are complex legal contracts that most people never read completely and, as a result, don't know what is in their policy. Calling two companies and just getting dollar quotes tells you nothing. The differences in the terms can make the more expensive one the true bargain or, it may have more holes in it.
This isn't just true of boat insurance but all insurance. However, other areas of the industry are far closer to standardized than boating, partly due to state regulation of some minimum requirements.
You find out the true coverage when you have a claim. And even then you may find that two identical policies provide far different coverage as one insurer is quick to pay what is owed and the other one is slow and contentious.
Sometimes it's almost a shell game. Have a list of specific questions regarding coverage. If you're told salvage is covered, find out exactly how much and under what conditions. Policies are filled with exclusions.
Insurance "salesmen", and I intentionally used that word rather than agents to classify the bad vs. the good, will tell you what others do and don't offer, how the industry or market has changed and whatever else is to their benefit at the moment. "Agents" or "Brokers" will assist you in finding what is best for you.
And that brings me to my major points. Find a professional you can trust. Work off recommendations from others. Build a relationship. Have them shop the market to meet your needs. Find someone not tied to just one carrier. Know your policy. Find someone who will sit and go through it in detail with you. Get someone else to review it for you if you feel the need.
And all those things that are impossible. Well, we live and keep boats in South Florida. We have no seasonal restrictions. We have no area restrictions. We have no named storm restrictions. The only places in the world that we have restrictions are a very few areas of high piracy and danger and war and they would require a rider which is available at a cost. I was more than willing to raise our deductible, but at the point we were it made no difference so didn't.
Find insurance professionals to deal with rather than just phone sales people. Large businesses often go an entirely different route in pay for service but no commissions. Now that's not a choice for most of us. We may not like lawyers, accountants or insurance agents in some ways, but we darn sure better have the best we can find. If you do, you might just find yourself sleeping a little better at night.
And back to what the OP was told. Think about it. Is there any logic? So you just found out all you needed to about whomever you were talking to. Either (1) they don't know what they're talking about or (2) they're lying to you.