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Boat Insurance Threads? #227082
01/19/11 05:54 PM
01/19/11 05:54 PM
Joined: Jan 2004
Posts: 330
S
srm Offline OP
enthusiast
srm  Offline OP
enthusiast
S

Joined: Jan 2004
Posts: 330
Can anyone recommend any threads regarding boat insurance? I know it's been discussed before, but doing a search for "insurance" gives about eight pages of mostly drill-baby-drill nonsense.
I'm looking into purchasing insurance for two of my boats and the quotes I've received so far are all over the place.

Thanks.

sm

-- Have You Seen This? --
Re: Boat Insurance Threads? [Re: srm] #227086
01/19/11 07:26 PM
01/19/11 07:26 PM
Joined: Jan 2009
Posts: 5,525
pgp Offline
Carpal Tunnel
pgp  Offline
Carpal Tunnel

Joined: Jan 2009
Posts: 5,525


Pete Pollard
Blade 702

'When you have a lot of things to do, it's best to get your nap out of the way first.

Re: Boat Insurance Threads? [Re: pgp] #227087
01/19/11 08:33 PM
01/19/11 08:33 PM
Joined: Jan 2004
Posts: 330
S
srm Offline OP
enthusiast
srm  Offline OP
enthusiast
S

Joined: Jan 2004
Posts: 330
Of all the quotes I've gotten so far, Progressive has been the highest premium with the least coverage.

sm

Re: Boat Insurance Threads? [Re: pgp] #227088
01/19/11 08:39 PM
01/19/11 08:39 PM
Joined: Oct 2006
Posts: 119
Bernhards Bay, N.Y.
popeyez7 Offline
member
popeyez7  Offline
member

Joined: Oct 2006
Posts: 119
Bernhards Bay, N.Y.
~~ I went with Boat US... Progressive was to high, and another one I called didn't know what a 'catamaran' was??
(Glad I'am not trying to get my Ice sailing boat insured....) (They wouldn't have a clue!!)
short season anyway !!!!!! frown


~~Don't fear the ''SPEED''~~ Fear the''ADDICTION''
~17,18 Hobies,
~Jet boat~Speedster 150
~2 Kayaks~
~~~~VIETNAM VET. 69-71~~~~
Re: Boat Insurance Threads? [Re: popeyez7] #227090
01/20/11 12:49 AM
01/20/11 12:49 AM
Joined: Aug 2001
Posts: 917
Issaquah, WA, USA
H17cat Offline
old hand
H17cat  Offline
old hand

Joined: Aug 2001
Posts: 917
Issaquah, WA, USA
We have used Pemco http://www.pemco.com/welcome.aspx
For our Cat's and power boats for over 30 years. Great service and prices.

Re: Boat Insurance Threads? [Re: H17cat] #227098
01/20/11 08:32 AM
01/20/11 08:32 AM
Joined: Aug 2007
Posts: 342
Indianapolis, IN - Midwest USA...
IndyWave Offline
enthusiast
IndyWave  Offline
enthusiast

Joined: Aug 2007
Posts: 342
Indianapolis, IN - Midwest USA...
I have had Allstate for about 15 years, on my Wave and on my Interlake before that. About $70 per year, and the policy specifically DOES cover racing (for sailboats only). The price may be lower since I have my house and car with them also (but it is a separate policy), and I've never filed a claim on it.


What - Me Worry?


2006 Hobie Wave 7358
"Ish Kabibble"
Re: Boat Insurance Threads? [Re: IndyWave] #227118
01/20/11 01:06 PM
01/20/11 01:06 PM
Joined: May 2004
Posts: 1,403
V
Ventucky Red Offline
veteran
Ventucky Red  Offline
veteran
V

Joined: May 2004
Posts: 1,403
AAA for us.

Re: Boat Insurance Threads? [Re: Ventucky Red] #227121
01/20/11 01:32 PM
01/20/11 01:32 PM

M
MN3
Unregistered
MN3
Unregistered
M



+1 for allstate
i carry 7k for my cat, with a $500 deductable. it runs about $350/year.

BoatUS wouldn't offer me 7k in insurance and was expensive (imho)

Re: Boat Insurance Threads? [Re: srm] #227134
01/20/11 03:07 PM
01/20/11 03:07 PM
Joined: Jul 2001
Posts: 353
Key Largo
barbshort Offline
enthusiast
barbshort  Offline
enthusiast

Joined: Jul 2001
Posts: 353
Key Largo
ussailing.org
yes, you have to pay a small fee to be a member to get the insurance, but it's well worth it.

Re: Boat Insurance Threads? [Re: barbshort] #227164
01/20/11 11:37 PM
01/20/11 11:37 PM
Joined: Jan 2011
Posts: 6
DUNEDIN, Fl.
ADDICTION Offline
stranger
ADDICTION  Offline
stranger

Joined: Jan 2011
Posts: 6
DUNEDIN, Fl.
I got mine thru Boat Us. They actually knew what a Hobie 18 catamaran was. They also insure for organized racing.

Re: Boat Insurance Threads? [Re: ADDICTION] #227242
01/21/11 07:55 PM
01/21/11 07:55 PM
Joined: Sep 2005
Posts: 1,187
38.912, -95.37
_flatlander_ Offline
old hand
_flatlander_  Offline
old hand

Joined: Sep 2005
Posts: 1,187
38.912, -95.37
we have a very reasonable rate with American Family

most consistent thing I've found is the older the boat is, the more difficult & more expensive it becomes to insure. Seems counter intuitive, why wouldn't older = cheaper? but at some point in age most underwriters think just because it's a boat, it's going to sink. frown


John H16, H14
Re: Boat Insurance Threads? [Re: _flatlander_] #227370
01/24/11 12:13 PM
01/24/11 12:13 PM
Joined: Dec 2001
Posts: 5,590
Naples, FL
waterbug_wpb Offline
Carpal Tunnel
waterbug_wpb  Offline
Carpal Tunnel

Joined: Dec 2001
Posts: 5,590
Naples, FL
and, possibly because the policy is written on a replacement cost basis, so you'd be getting a "functionally equivalent" boat if you lost yours. New boats can be expensive.

Other things affecting your 'rates':
- your credit score
- your sailing area
- your location
- your driving record (more boats are lost while in transit than while sailing...)

Last edited by waterbug_wpb; 01/24/11 12:16 PM.

Jay


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