Insurance

[Old'sCool]

I'll check it out lobo. It seems there was a reason I didn't go with them.....distance offshore maybe, dont remember.

Man - I have Progressive for my 20SF and it is under $400 - in North Florida. Strange how rates vary for teh same boat and same company. Makes me wonder how they quote them!

[DonV]

Yeah Ron, I've got Progressive on both my boats. $730/yr. This is a tough subject because every insurance company never wants to compare "apples to apples" for pricing. Always trying to sell you what you don't need. Oh yeah, BoatUS was not even close, however they did offer $800k fuel spill liability versus my $300k. I'm thinking on a trailered boat that might be excessive. Be sure to confirm and agree on the value of your boat, they will low ball you on that.

[Old'sCool]

So I applied to B US online. Looks like they arbitrarily choose to only insure this (year) boat up to $15K yet sight unseen they want a picture, etc. All this for $440/year.

SPECIAL CONDITIONS/REQUIREMENTS:
Current photographs of your boat.
The hull identification number is required.
The coverage quoted is the maximum we can offer on your boat.

[lobo1]

I am not sure what the deal is but I have over 3x that amount of coverage on my new 1977 (agreed hull value) and the annual fee is about the same. I dont see any restrictions on my policy for usage besides commercial.

Sorry I steered you in the wrong direction. Maybe it is cheaper in Michigan? I did have a very recent PDF file of the appraisal/survey I had done when I bought it.

Maybe there was some sort of misunderstanding?

I don't know too much about insurance except that I hate the premiums and I hope I never have a claim!

Sorry it didnt work out for you...i assumed it would be similar coverage/price etc or I wouldnt have mentioned it at all

Steve

[Old'sCool]

It's worth checking around on everything we insure. I do know coastal and especially hurricane prone areas are higher. I find it "controlling" on their part to automatically limit coverage to $15k regardless. It could be a POS or freshly restored and they don't have a clue. They will reimburse for missed fishing tournaments in the event of a claim though