If you''ve been with a large, well established company for a while, I would keep all my insurance in one basket. I have been with Allstate for over 20 years, with several power boats, houses, cars, etc., and with my new sailboat. I''ve had 2 claims in that time, and Allstate never blinked on the settlements, no questions asked, prompt and courteous.
When I get a new toy, I just call my agent, give her the details, she mails the paperwork, and that''s about it. Truly painless. The rates are as good, if not better than most companies specializing in boats.
Get with a big company, and stay with ''em. It''s a little more expensive when you''re younger, but it pays off later on.
that''s my $.02,