Yes, the One Design plan is very good. You can get agreed hull value...meaning you state a value on your boat, they insure that without depreciation in the case of total loss.

They also specify race coverage (with a higher deductible for claims "while racing"); Trailer & trailering is covered. As is chartering the boat out to others. $1 mill liability...required for certain classes (ie Tornado fleet racing) and hard to find from other providers (Boat US; AAA would not go that high for a 20 footer).