Best Insurance Co.???
Posted: Fri Nov 25, 2005 6:31 am
Who has the best boat insurance?
Best price?
Are they all about the same?
Best price?
Are they all about the same?
MacGregorSailors.com
Discussions relating to the MacGregor line of trailerable sailboats
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Best Insurance Co.???
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Posted: Fri Nov 25, 2005 7:26 am
Not sure what you guys in the USA pay for insurance...My boat is covered as a rider on my homeowners policy and costs me about $150. /year for all perils
Posted: Fri Nov 25, 2005 9:28 am
Mine cost me $600 a year for full coverage, probably because its new and I live in a Hurricane area. But what ever you do stay away from anyone associated with Met Life, they are bigger crooks than the government.
Posted: Fri Nov 25, 2005 10:01 am
I was poking around and found this related thread:
http://macgregorsailors.com/phpBB/viewt ... =insurance
http://macgregorsailors.com/phpBB/viewt ... =insurance
Posted: Fri Nov 25, 2005 10:31 am
Boats US, Full coverage no depreciation $249.00 with trailer assist.
Posted: Fri Nov 25, 2005 3:02 pm
One additional item to consider: umbrella liability coverage. This is additional liability coverage above your liability limits on home, auto and boat.
A typical umbrella amount is $1,000,000, which supplements your auto/home/boat liability limit (typically $500,000).
Why consider an umbrella policy? Because of our lawsuit-happy society.
My agent said if you have 2 of these four items, you should have an umbrella policy: dog, teen drivers, live on water (which might include owning a boat), (forgot the fourth item).
Now the kicker. You usually need to have all your insurance with the same company to get a liability policy. So this might knock BoatUS out.
I have State Farm and I pay about $200/year boat insurance and about $250 for the umbrella.
A typical umbrella amount is $1,000,000, which supplements your auto/home/boat liability limit (typically $500,000).
Why consider an umbrella policy? Because of our lawsuit-happy society.
My agent said if you have 2 of these four items, you should have an umbrella policy: dog, teen drivers, live on water (which might include owning a boat), (forgot the fourth item).
Now the kicker. You usually need to have all your insurance with the same company to get a liability policy. So this might knock BoatUS out.
I have State Farm and I pay about $200/year boat insurance and about $250 for the umbrella.
I agree
Posted: Fri Nov 25, 2005 4:24 pm
I am with State Farm a little higher on the boat9 very full coverage with a decent med plan) but equally lower on the Umbrella.
Posted: Fri Nov 25, 2005 8:38 pm
USAA, if you can get in.
In a county adjacent to the Gulf, boat trailered tamely at home.
$210 a year, $280 deductible.
This company pays for mistakes like maybe you blew a hole in the side of your boat trying to load a shotgun. No problem.
One of these no middle man outfits. Just send in the receipts.
In a county adjacent to the Gulf, boat trailered tamely at home.
$210 a year, $280 deductible.
This company pays for mistakes like maybe you blew a hole in the side of your boat trying to load a shotgun. No problem.
One of these no middle man outfits. Just send in the receipts.
Posted: Fri Nov 25, 2005 10:39 pm
Did you insure your boat at 26 feet or 25 feet 10 inches?
Does it make much or a differance?
Does it make much or a differance?
Posted: Sat Nov 26, 2005 3:07 am
The big difference was where you stated you intended to use it.
Catigale was about $200 if I stayed inland lakes, but goes up to about $350 if I wanted to add coastal cruising.
Ive been staying with the inland policy but may have to change next year as we might do a lot more coastal stuff.
James - Boat US can quote you online, so you could test the impact of 25+ vs 26 feet in a couple keystrokes...
Catigale was about $200 if I stayed inland lakes, but goes up to about $350 if I wanted to add coastal cruising.
Ive been staying with the inland policy but may have to change next year as we might do a lot more coastal stuff.
James - Boat US can quote you online, so you could test the impact of 25+ vs 26 feet in a couple keystrokes...
Posted: Sat Nov 26, 2005 4:23 am
I'm not gonna even ask how you know that, SJB!Sloop John B wrote:This company pays for mistakes like maybe you blew a hole in the side of your boat trying to load a shotgun. No problem.
Posted: Sat Nov 26, 2005 5:54 am
USAA is a good way to go if you can. I had auto and boat with them, but could not get the umbrella policy with them. Why? Because I am in an area that they were not writing new homeowners policies in. And unless you had all your liability policies with them you could not get the umbrella policies.
Posted: Wed Dec 28, 2005 1:01 pm
I did the BoatUS online quote thing and got back a $1K quote for all-hazard for a 26x in Atlantic coastal including Florida Eaast & West coast.
Why would that be so much higher than $600 for a Mac in Daytona Beach or $250 for one in Tampa?
Why would that be so much higher than $600 for a Mac in Daytona Beach or $250 for one in Tampa?
Insurance
Posted: Wed Dec 28, 2005 2:04 pm
The owners association for my new boat (Gemini 105) just did a survey and it looked like Allstate did very well. Don't know if this tranfers over to X insurance. Best Idea simply shop it around & make sure coverage is adequate for your travels. Mine covers SOCAl and parts of mexico
Kevin Carroll
Kevin Carroll
Posted: Wed Dec 28, 2005 2:26 pm
Argo ...argonaut wrote:I did the BoatUS online quote thing and got back a $1K quote for all-hazard for a 26x in Atlantic coastal including Florida Eaast & West coast. ... Why would that be so much higher than $600 for a Mac in Daytona Beach or $250 for one in Tampa?
I also found widely varying quotes from BoatUS website.
Whatever you do, DO NOT cue your quotation request as a motorsailer~! Just enter the Mac as a "sailboat" and then enter 50hp for the motor. I'll bet that changes your quote by a bunch!