Ok, so I have switched. This started out just shopping for new boat insurance because KYFB raised my boat insurance this year like they did my truck insurance this year and also my motorcycle last year. (no wrecks or violations).
It’s a pretty funny turn of events since GT left All State (in LC.com Thread) and now for me I have moved to them per a post from Captain Bob above to check them out. Now it did take some research on the part of the Georgetown, KY All State Agency Manager to make sure I was properly covered. As many have stated before All State has the 5% clause for anything above and beyond the coverage on the policy. Many have taken that to be that recovery would only be paid out of the 5% but what he and I found was that ( and it is in writing/literature from All State) is that if my boat is worth "x" amount I can add "x" amount to that part of the policy and then when the boat is replaced out of that "bucket" of money anything left can go to recovery etc. For me since my boat is not too large I figured $5k should be enough for recovery (correct me if I am wrong Captain Don and I will adjust my policy). If for some reason there was a little more than the extra 5k the agent put in the policy it then goes over to the 5% of the total boat coverage amount but I am thinking that the 5K should have me covered. Furthermore for other fees such as environmental fees etc. it clearly states in the policy that part is covered under the liability portion of the policy which in my case I did 300k across the board instead of the 100/300k default (just getting paranoid about all those bigger and better houseboats with their super high price paint jobs lol). I also ended up with medical coverages for occupants etc. that were above and beyond what I had on the KYFB policy. Oh and by the way I saved about $75 a year on the boat compared to KYFB. The price was right in line with Boat US and the coverage reads about the same except for how the recovery "bucket" is used.
Having said all of that they also got my house and vehicles except for my motorcycle since they said they would be more than happy to take on my motorcycle but at the time they just can't beat Progressive on it.
So thanks Captain Bob for the nudge as for me (and i know it differs for each person, boat, region, etc.) it ended up being in the right direction and saved me $600 a year on vehicles for better coverage and cost me about $30 more a year on the house which I'll take any day with the $600 and $75 savings.

Buy American, the job you save just might be your own.