I added boat coverage through my auto insurance provider (Nationwide).

The advantage of having an "auto" provider is that they don't know a whole lot about sailing and/or racing. Should the claims adjuster come out, they're not going to ask about racing protocol and if you formally and correctly "protested" the other sailor and other stupid stuff. They're just going to look at the damage, do a little research and write you a check. Dunzo.

They're busy doing auto and home claims and get paid on the number of claims they close. The last thing they want to do is research racing protocol and the timing of who protested who and what the racing committee had to say.

If you race, make sure you let the insurance carrier know that. You definitely want to be covered under racing conditions.