Boat U.S. does not understand beach catamarans or dingys. Contact State Farm, Prudential, or Progressive for insurance on a beach cat - you'll find the contact pleasant, quick, friendly, and understanding. If you do have a boat on the ISAF one design list, look at insurance through U.S. Sailing...they were competitive with what I had. I set up insurance for a 1984 Hunter 23 and a 2004 Nacra F18 in one phone call with Progressive and I didn't have an account or had ever done anything with them before.
Great Jake. I switched to Boat US from State Farm after State Farm would not cover the damage to Mark Smith's I-20 after I T-Boned him at Spring Fever. My Port Tack into his Starboard Tack, I was clearly at fault and admitted it freely. They stated that since my steering crossbar broke in the course of violently avoiding him (too much adrenaline on my part) that equipment failure caused the collision and I was not liable even though it broke when there was only 15 yards between boats on a port tack and the collision was inevitable. They had no understanding of right of way and wanted to see a copy of the rules of sailing which they apparently had no use for. They just looked for a loophole to avoid payment. They told me that was the understood risk I took when sailing in a race, as did the boat I impacted. I paid Mark's damages out of Pocket, I'm glad he was a pretty good sport about it. Glad I didn't roll him or clip his bows, there would have been a lawsuit.
Maybe if we ALL had the same insurance they'd realize they just have to pay so it would be easier.
Boat US was easy, they had no problems with racing boats, & I verified with the agent that the coverage would be what I needed to cover me in a Regatta situation.
[color:"red"] I think this topic needs its own thread. [/color]
