Oh man, i was thinking about this after Boston. I was thinking that the guy who's boat got shot up must have been one of the first to get screwed by the terrorism exclusion
without reading his policy, if he had "comprehensive" coverage ( akin to comp/coll for auto ) terrorism is NOT excluded. Its included. ( as it is in Homeowners/Condo/Renters as well )
The ONLY time you will have terrorism excluded from auto/boat is if you are with a company that carves out that coverage and you have option to "buy back"
Its mainly in commercial policies you find this exclusion.