I have BOAT/US and have had for all my boats.
AMICA covers my real estate and automobiles. Contrary to this report AMICA
does have discounts for low mileage, special pay and multi-coverage.
They even wrote us a commercial policy back in 1980 when building cottages and renting. AMICA did not write commercial at that time. When I told the consultant that other companies would but required all my other coverage, life, auto and home which meant we would have to leave AMICA after being insured with them for decades. She said she would call me back and did saying he talked with the chairman and they would write a commercial policy.
They have been excellent with coverage on accidents (other driver at fault), and not good companies. AMICA paid for repairs with OEM parts and collected from the other company. We are insured for OEM parts for our autos. Does cost a little more.
http://www.thesimpledollar.com/best-...nce-companies/
You may also want to look at Consumers Union.