I used to recommend using your homeowners policy for at least the cheaper, older boats. I don't recommend that anymore for a couple of reasons, but when I tried to a) make a claim and then b) write a specific policy with them some interesting things came about. This company came under the "didn't know much about catamarans" heading for sure.

When trying to make a claim they sent a surveyor who prided himself in finding that everything is a result of corrosion. He even said that to me. When he looked at the damage, he came came up with the predictable response that what had happened did so because of corrosion. He was looking at an aluminum casting piece that had broken and then was immersed in salt water. The spot corrosion that was there was new, a result of the raw aluminum having been dipped, yet he claimed that was why the part failed. Never got any money, never got to see his final report, but I can bet it said corrosion caused the breakage (it didn't).

When I tried to write a specific policy through them (I already had a keelboat policy wtih them) they were confused by the idea of sailboat race, regatta, etc. I went with Boat U.S.