I just got my marine policy renewed through Coastal Community Insurance. They have an exclusive program through Pacific Marine which includes:
$10,000 Personal Effects at replacement cost
$5000 Towing
$5000 Search & Rescue
$2500 Loss of Use
It covers boats up to 35 feet and 235HP and is based on agreed value, not depreciated value.
They have offices all over the island from Victoria to Port Hardy and they really know their stuff.
I previously had a Beacon policy. My Pacific Marine policy was similar in price, but I got way more coverage.