I had a new agent tell me my boat would not be covered in a race and when I showed him the language in my policy, he was stunned. Felt kinda nice to teach the agent something about his own companies coverages.
I had the exact same experience with State Farm. The agent said that he was "99% sure that it doesn't cover racing" and when I told him to go make sure for me, he called me back astonished.
However, State Farm doesn't cover charter insurance and so I had to drop them for that. Pity too because the coverage with state farm is much better than the coverage I got with the US Sailing coverage.
