[quote=MillCreek][quote=JohnES]I pay about $90.00 per year...
Keep in mind; when towing your boat it is covered by your auto policy, when stored your homeowners kicks in, when on the water it is the boat policy...
All my insurance is with the same company... let them figure it out if I need to exercise the policy.[/quote]
Be careful what you say here. When being towed, its covered for liability not first party damage. As at home, you have certain limits on your HO policy which is only $1,000 coverage for named losses of a watercraft. If you have a boat policy it is primary over any other coverage. You might even find an exclusion in your HO's policy if there is other collectible coverage on the boat from another policy. You can pull liability coverage from HO's if you race. There are a couple of policies that exclude for racing but only a few. Read your exclusions on the liability coverage portion. Read it a couple of times as the wording is tricky. It takes away coverage, but at the end gives it back for sail boat racing.[/quote]
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