Well, all I can relate is my personal experiences. Others may be different.

"dudley" wrote in message
ups.com...
Doug Dotson wrote:
I had a friend that did the same type of thing with Allstate. Had his
car and house insured with them and just added his boat for a dirt
cheap price. Seemed like a great deal until he filed a claim.

The old "I had a friend" story. Well based on my actual, first-hand
experience with Allstate covering 2 boats for a period of 15 years, I
can tell you that Allstate was prompt and generous with their
settlement
for a broken mast (they replaced mast/boom/standing and running
rigging,
and installation - I saved the sails) and a bent propshaft (I hit an
uncharted underwater obstruction - they paid for everything, including
two coats of new bottom paint).

dudley
.