Red, you better check those policies. Most umbrellas are third party liability. As to the boat, there again liability and not first party for the boat while attached to the car. The HO for the boat is named peril and for stated contents limits which is usually $1,000.00.
Forrest
I-20 USA 645
Forrest...thanks. This is a little different from what I understood.. We have a full replacement cost policy with no depreciation clause for the boat and homeowners.. IE Sail gets stolen, they replace it new or send me a check for the replacement.
Few years back I let some nimrod helm my NACRA and they ran up on a sand bar tearing up a dagger board and splitting the hull. I got everything fixed and replaced after my $250 deductible was paid this came off my boat policy..
I'll pass this to my wife. She does the insurance as she works for the company were insured with..
