boaters insurance

[phatmanmike]

hi, i wanted to get some opinions of folks with insurance. have they used it. how was the experience. what happened in the incident... etc...<br /><br />im looking to get some, but have never had it before and want to know how you think of it...<br /><br />thanks

 

[mattttt25]

Re: boaters insurance

my boat is financed, so i needed it. covers everything, much like a car. luckily, i've never had to rely on it for anything. i pay very little through usaa, but membership is limited to military officers. others are sure to jump in.

 

[RatFish]

Re: boaters insurance

Get a several quotes from a couple of companies/agents. Prices vary significantly for the same coverage. <br /><br />There has been many previous posts concerning insurance. Do a search and read away!

 

[tcube]

Re: boaters insurance

Got mine - mostly liablity - from Boat US. Did it for peace of mind more than anything else. When towing, my car insurance covers accidents.

 

[Solittle]

Re: boaters insurance

I have full coverage with USAA. Only had one claim - picked up a plastic bag & cooked a motor - they paid with no questions asked. Great company if you qualify. Non profit - owned by it's members.

 

[phatmanmike]

Re: boaters insurance

ok here is a question... does it cover motor woes and not just the "body" of the vehicle, you said they paid for your new motor....is this true?<br /><br />ive always had old cheep boats that i would fix myself, but i have been gettng tired of that sh*t and want new with warranties<br /><br />mike

 

[TPD211]

Re: boaters insurance

I use Progressive here in Florida. They seem to be very competative on boat and PWC insurance. When I had my motorcycle I used them also. They had the lowest rates on m/c insurance. For automobiles & house, I use someone else.

 

[lakelover]

Re: boaters insurance

I have all my other insurance with them, so I went with State Farm. No claims yet. <br /><br />I got the insurance mainly because teenagers drive the boat and the lake is a lot more crowded than it used to be. I also found out that State Farm's homeowner's provides no coverage for boats stored on property.<br /><br />The price is worth the peace of mind.

 

[Capn Mike]

Re: boaters insurance

I have no complaints about State Farm...good prices and they have replacement cost coverage for boats; a lot of companies don't offer that. They also include environmental damage in their liability coverage, which is becoming a really big deal (The Corps of Engineers had to spend a bazillion dollars cleaning up 2 qts. of oil on the Columbia the other day....and they spilled it!).<br />You need to ask what the navigational limits are for your area, and make sure those limits fit your boating habits. I've noticed not all companies and/or agents' staff know about boat policies, so when in doubt, check with another source.

 

[Solittle]

Re: boaters insurance

Mike - They did'nt buy me a new one and I wouldn't have expected them to but they paid every dime of the rebuild.

 

[Capn Mike]

Re: boaters insurance

This topic was raised on another forum; the CEO of Progressive is active in liberal causes: a Kerry supporter, wants to ban guns and is pro-abortion (OK, so he's the opposite of my views).<br />Guess it depends upon whether or not you want to use your wallet as an additional voting tool, but I would have difficulty dealing with them for those reasons...(sigh)...OK, so I'm complicating the decision-making process even more!

 

[chippy]

Re: boaters insurance

I have a 1988 stratos 201 pro. progresive's price was over $400 a year. My state farm is $107 a year. Both was quoted for the same coverage.

 

[Cal_MI]

Re: boaters insurance

AAA said that if my car had collision coverage, it would cover collision with a (boat)trailer up to $1000.