We’ve all heard the phrase ‘don’t put all your eggs in one basket’. If you insure a boat with your home policy, that’s exactly what you’re doing and the consequences can last for years. You’re far more likely to have a claim on your boat than you are on your home. Should your boat policy be attached to your home policy, a boat claim will affect your home policy. We have all heard horror stories about how one claim on your house can cause rate increases for several years. It’s about separation of risk. Put your boat policy with a provider that specializes in boats. Not only will you get an insurance package designed by professionals who know boats and a package with appropriate coverage specifically designed with your needs in mind, but you will eliminate the chance of your boat claim affecting your home policy.