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Old 02-13-2012, 02:35 PM   #11
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Only one...LOL Sounds Great.... I'll let you know when I am fully operational and in the water, I'll PM you.

Todd
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Old 02-13-2012, 11:23 PM   #12
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Get atleast the minimum to cover you at fault. If its the boat you are concerned with get an agreed value policy to cover your boat even if its your fault.
A little more expensive but worth it if it sinks!!
There are small addons you can get for personal property, ie cell phones etc that have small deductibles.
I tend to go over board some times, my autos carry 1 million dollar policies instead of the std lower 100/300/30.
It's just peace of mind for me.
Come on summer!!
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Old 02-16-2012, 04:26 AM   #13
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1996 3200 w/300k Insurance runs me $712.00 a year with Safeco...the beat esurance, Progressive and USAA.
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Old 02-16-2012, 01:58 PM   #14
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I got a really good quote from BoatU.S. Has anybody used them? do they have good coustomer service?

Todd
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Old 02-16-2012, 03:36 PM   #15
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I don't use them Todd, but have read about a lot of folks that do. None had anything bad to say about them.

Dan
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Old 02-16-2012, 04:22 PM   #16
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COOL!!! I think I gonna go with them!

Thanks Everyone!

Todd
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Old 02-16-2012, 06:17 PM   #17
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Todd,
I just switched from Allstate to BoatUS. They are not only cheaper, what they offer seems more comprehensive. For example they have pretty generous coverage for fuel spill cleanup, something you might not think of. There have been a couple of cases here recently where boats sank in their slips at the harbor. Not good for the boat, and the Feds jumped on them pretty quickly with people and equipment to contain any leakage of hazardous material. Of course the boat owners were eventually slapped with the bill... $$$$$
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Old 02-16-2012, 06:37 PM   #18
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Quote:
Originally Posted by iceman View Post
Todd,
I just switched from Allstate to BoatUS. They are not only cheaper, what they offer seems more comprehensive. For example they have pretty generous coverage for fuel spill cleanup, something you might not think of. There have been a couple of cases here recently where boats sank in their slips at the harbor. Not good for the boat, and the Feds jumped on them pretty quickly with people and equipment to contain any leakage of hazardous material. Of course the boat owners were eventually slapped with the bill... $$$$$
Yes, that is what made the choice for me, better coverage and a little cheaper too!
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Old 02-21-2012, 02:21 PM   #19
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Some things to keep in mind when both shopping for and discussing insurance (particularly marine insurance).

Coverage Area: How far the boat can roam and still be covered. If you're not crusing the intracoastal between New England and Florida, maybe you don't need that much coverage area. New England ONLY, for example might be more apropriate and cheaper.

Navigable Waters: Is the boat only used on "Inland Lakes and Streams" or in "Tidal Waters". This makes a big difference in premiums and coverage. You want to make sure you're also properly covered. If you're only insured for inland lakes and streams, these don't normally carry 'salvage; coverage. Certain claims may not be covered at all if you are outside of your navigable waters.

Towing (Water and Land): Does your policy cover onwater towing (Seatow or BoatU.S.)? What does it cover? how does that compare to a Seatow or BoatUS poloicy? If you have a 3rd party on water towing policy do you need one on your baot insurance as well? Many Tidal Waters policies already include on water towing (though usually pretty limited). How about an Inland (non-tidal Lakes and Rivers) policy. Many times those include roadside towing as well. Does your tow vehicle already cover it? Do you need both.

Deductible: The higher the deductible, the lower the premium.

Coverage: Market value, replacement value, contents. How much coverage and of what?

I only mention this because I'm seeing a lot of numbers thrown around, but nothing to qualify (or more accurately quantify). My boat (28 ft 1997) was less than $300 for non tidal waters. Once the policy was Tidal Waters, and I included the replacement value of the boat and the contents, it tripled. It tough to say, "I pay $300, while you pay $1200 for the exact same make, model, year, size boat. You should give my insurance company a call". Unfortunately, it's just not that easy.
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