I figured you had the same policy as me, Jake. Progressive is the only one I know with that sliding deductible option.

Homeowner's policies do, on occasion, provide limited liability coverage while you operate a boat, but you (the policy holder) need to check two things:
- does it provide coverage while you are racing?
- does it provide coverage for boats over 16 feet?

Most homeowner's policies don't cover boats over a certain length as a means of "encouraging" you to buy a separate policy designed for boats (power and sail).

Other things to check on:
- replacement cost vs. actual cash value (ACV values are depreciated)
- navigation areas (those that sail in Canada and enter the Tybee may want to make sure they're covered in US east coastal waters)

And yes, Progressive knows what an F-18 is, but my agent (4 years ago) wanted to know where the "galley" was on my N20. So, be prepared to provide a clear description of your boat and what you intend to do with it.

Not to seem like I'm playing favorites, but State Farm, Boat US, US Sail, Atlas, Geiko, and other companies offer boat coverage. I just ended up with Progressive.