All in the right place
As Dave has implied above, boats are covered under boat policies. Cars are covered under car policies and personal property is covered under a Homeowners policy. There are a few extensions, e.g. some personal property like fishing gear, could be under your boat policy. Basically, trying to pretend that your car is personal property, and not an auto and is covered under homeowners insurance, just won't work. Why would you ever think insurance companies, with hundreds of years of experience and related court cases, aren't as smart as you? In the current colloquialism "C'mon, Man "
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