"Our State Farm agent called and said that as of this year, they "exclude" the boat from our umbrella liability insurance policy. (Company-wide change, not just on our policy)."
I just talked to my State Farm Agent (9 AM PST Feb 11). She assured me that a State Farm Umbrella Policy will provide excess liability coverage for an damages or injuries caused by our boat or on our boat. But, it will only provide that coverage if we have a boat insurance policy that provides the primary liability for damage/injuries caused by the boat or occur on the boat.
I told her about this discussion thread and she will contact State Farm Underwriting and verify what she told me.
BUT - the really interesting thing is she cannot find a current
Umbrella policy for us. They see our auto and home insurance but have lost
track of the Umbrella policy I thought we had for the last 20-years.