Hey thanks for the heads up. This prompted a call and an email to my agent, who does all of my insurance. I guess each state and company are different in how they set things.

That said, my homeowners policy will cover the boat however, once the boat hits the water the damages (that I cause to my own property)coverage is no longer in effect, but my personal injury/property liability is. My auto policy covers the boat once it is hooked up to the car for towing, but my personal injury/property liability comes from my auto policy, and my boat policy will cover what the homeowners and auto policy covers plus covers the damages when I am in the water.

Dam! I got dizzy just witting this.

Things that make you go hmmmmmmmmmmm!!!! At any rate, in a litigious society it's smart to protect your assets. Glad all of my insuracne (home, auto, boat & uncrella)are with the same company and for what the boat policy cost, it's worth the extra coverage. Let them figure it out when I make the call.