Originally Posted by waterbug_wpb
I have found Progressive to be pretty on the ball with regard to this stuff.

Replacement cost policies are more expensive than actual value, but who but an insurance geek would know the difference between the policies?

So unless you have the marine "blue-book" with your boat listed, I'd contact your agent or some reliable industry expert to help...


I will look into them.... thanks

PS "supposedly" they will pay out the full amount of my policy (7K)regardless of actual value, depreciation, replacement cost (minus the $500 deductable)... for the first 3 years.... this is part of their "premium" plan.... but i wouldn't be surprised to learn there were "factors i wasn't aware of" that mitigate that somehow....