Any insurance agents out there?

We have a 2004 Regal 2000 inboard/outdrive. We have been trying to sell it for almost 2 years. We werent having much luck so we decided to let a dealer try to sell it on consignment for us. They had it for almost a year with only a few LOWBALL offers. Well since they hadnt sold it yet and its close to boating weather we were going to get it back and try other avenues to sell it. So over the last few weeks/month we have been trying to contact them to get it back. Wont answer calls wont return emails, we drive to the dealer location to find its now a car lot with a few boats still there but ours is nowhere in site. Noone is there, the phone has a message saying they will return from the holiday on jan 6. Their website has dead links. We called the police and our insurance company. We get a police report in 3-5 days and the ins agent is supposed to call us tomorrow. A few people on facebook told us that since we let them take the boat that the ins company is not responsible for it. Can this possibly be true? Any advice is greatly appreciated.