Boat Insurance Coverage

[Lil Baby]

I called Liberty Mutual to renew my homeowners and found out they are raising my rate $549 for the year. Now they said it was bc of natural disasters in Missouri for 2017, and I did not think I had a claim. Liberty Mutual covers boats under homeowners so when I got my boat fix for a deer collision it went under a homeowner claim. They would not come out and say it, but I'm sure the claim raised my rate. So if you have your boat insured I would look to see if it's separate insurance or under homeowners. What should have been a comprehensive boat claim has now become a homeowners claim for me. I have already shopped other insurance companies and found much better rates so I'm gonna switch asap.