I contacted three companies, one of which looked at the survey and said I would need a 'port risk' rated policy with requirements for 1) repairs to be made and 2) for training and certification by USCG approved Captain, another of which said 'most likely port risk' and never followed up with me, and another who reviewed the hull survey and said "okay, you're approved for a standard policy, no port risk" and also gave me a quote equal to the first place, except no port risk, no repairs required AND a lower deductible ($5K). Surprisingly, that insurer was State Farm.
My boat is a 1978 custom cruiser at 53' LOA, with triple nickel mains. I am a first time boat-owner and living aboard, so it is my primary residence.
Hopefully I will never have to make a claim (ha. ha.)