Ryan - Hey I went through the same thing acouple of years ago but ny boat was in the Marina "dock", Now my insurace agent said they would not cover the stereo because of where it was located. Now if it would of happened in front of my house I.E driveway that my homeowners would have covered it as personal property. I have taken photo's of everything nnow of the new up-graded system including all pricing and gave that to my Insurance company, they increased my preimium to cover anything "Stereo wise" just in case.
Soory again I will keep my eyes open for your stuff. Mike@wakeon.com