ok so I checked with EVERYONE and this is what I got
1) progressive no reason ot headers
2)state farm no reason high performance boat and they said they don't know if ill race the boat
3)geicko no reason open engine and year of boat more than 25 year old
4)allied no reason open engine
5)farmers Henderson nv office yes $227 he entered answers he knew would work not my answers

coverage is this boat 8000 ded 500, towing assis 500, personal liability 25000, med payments 1000, uninsured motorist 10000
6)Nick Rose who also does farmers among others yes $457 but said farmers Henderson is wrong due to open engine if I have a claim it wont be paid but found found a carrier for me. 7200 boat ded 500, 800 trailer ded 100, liability 25000/50000/10000, personal effects (vests, ore ect) 1000 ded 100, uninsured boater 15000/30000, med payments 2000. Nice people look up my tattoo work and complimented me good info on farmers, they got quote from same people as Wozencraft, writer said he wrote for both Nick could do same as wozencraft.
7)Wozencraft yes 572 7200 boat ded 500, 800 trailer ded 100, liability 50000/100000/20000, personal effects (vests, ore ect) 1000 ded 100, uninsured boater 30000/60000, med payments 2000 again same writer but Wozencraft wants higher liability but could? match Nick Rose

Hagerty thru Allstate (antique boats)Also Hagerty had me send photos of boat motor headers pump before quote was given(I like them being thorough) yes $254
Boat Description Risk Type Length Agreed Value Serial Number
1) 1979 TAHITI Tiger Runabout 18 $ 7,000 PLEASE PROVIDE
2) 1979 Custom Trailer Trailer $ 1,000 Liability Coverage Part - Limit Boat 1 Boat 2 Boat 3
B: Watercraft Liability: $300,000 Per Accident $ 50
B: Accidental Fuel Spill: $854,400 Per Accident INCL
A: Personal Effects: $100 Deductible: $2,500 Per Accident INCL
F: Uninsured Boaters: $300,000 Per Accident $ 20
A: Commercial Towing: $1,000 Per Accident $ 20
C. Longshoremen's & Harbor Workers' Comp INCL
D: Medical Payments: $5,000 Per Person INCL NA
Coverage is part of this quote where a premium is shown for the coverage or "INCL" is displayed. NA: Coverage does not apply
Coverage for Damage to Your Insured Property - Section A:
A: Boat $146
5% ($350) Ded.
NA
E: Trailer NA $18
($25) Ded.
A: Outboard Motor NA NA
A: Dinghy NA NA
Total Annual Policy Premium: $ 254
Agreed Value coverage-In the event of a covered total loss, you are guaranteed a check for your boat’s full Agreed Value
· Unlimited water navigation in the continental U.S. and Canadian waters
· No required lay-up period
· Restoration coverage
· Unlimited land transportation
· Fast and personal in-house claims handling
· Excellent, knowledgeable customer service representatives
Maybe this will help someone else avoid 6 hours on the phone or false info also