The car policy's liability extends to the trailer while in-tow, but not damage to the boat. In other words, if you back the trailer into another car, your car policy will cover, if you damage the boat while launching, it would have to be covered by the boat's policy, if it was covered.
And in most states, the HO policy will NOT cover anything with a motor bigger then a lawn mower....... cars, boats, planes, motorcycles, etc, have their own policy, doesnt matter if they are parked in the yard.
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