We know boats, and we know how to insure them. After all, our corporate logo is a ship. Many people insure their boats as an extension of their Homeowner policy. We feel that is not a good option. If your boat is in an accident and you need to make a claim, the claims will count against the boat, as well as the Homeowner policy. We recommend insuring pleasure boats, ski boat, and large fishing boats as a separate policy.