So I’m going to try and participate in a couple local tournaments.  These allow smaller boats to participate I just have to make a live well. also in the rules it states that I need liability insurance.  Do I have to put liability insurance on the boat it’s self or will my home owners liability policy cover it?  I’ve tried reaching out to the powers that be about it but, I have gotten zero answers. 
 

my wife is a under writer for one of biggest personal, commercial, and liability insurers in the state of Michigan and the country.  She seems to think the home owners policy should cover it.  She is however, not 100% as this does not come up much. 
 

anybody have some insight on this? 

I dont see how or why your homeowners insurance would cover a boat as well as other boats while on the water. It doesnt cover your vehicle while you're out and about.  It may cover it in a fire or something at your residence.  I've always kept minimum of liability on any boat I've had just because I feel its only fair to other boaters should I have some kind of accident that harms them or their property.  

1 minute ago, Shimano_1 said:

I dont see how or why your homeowners insurance would cover a boat as well as other boats while on the water. It doesnt cover your vehicle while you're out and about.  It may cover it in a fire or something at your residence.  I've always kept minimum of liability on any boat I've had just because I feel its only fair to other boaters should I have some kind of accident that harms them or their property.  

Actually, I do know that my home owners policy does cover the boat in case stolen or damaged I just didn’t know about the liability part.  
 

So basically I just go to a insurance Agency and say I’m looking to get liability insurance for my boat and I need xxxx amount. Once I get it do I need to bring proof to the tournament? How do other tournaments handle that. 

Yeah that's what you need to do. I think most of the trails around here require u to have 100k of liability insurance at minimum.  Most of them dont ever check but occasionally they'll require u show them proof when u register for the tournament.  Its ridiculously cheap tho like a couple dollars a month or so...or at least it is around here