*THE HULL TRUTH is the world's largest FREE network for the discussion of Boating & Fishing. Whether you're researching a new boat, or are a seasoned Captain, you'll find The Hull Truth Boating & Fishing Message Forum contains a wealth of information from Boaters and Sportfishermen around the world.
Welcome to the updated THT!
If you are having trouble signing in, please email feedback@thehulltruth.com with your username and we will help you. We thank you for your patience as we help you access the new site!
Random Quote: Wife says " sob your half drunk again!"I say its not my fault I ran out of money.
I just checked with Progressive, they limit coverage to 50 miles from shore in U.S. and Canadian waters and specifically exclude Bahamas & Bimini.
Does anyone know how/where to buy insurance for a 1-2 week trip by boat to the Bahamas? Recommendations? Maybe I'll have to change carriers. Thanks. Tom.
I have Progressive and one of my fishing buddies works for Progressive. He said you can get an international rider if you have at least a 26' with twins.
If your boat is at least 26' LOA then Progressive can add a 125 nm limit for an additional fee. It is not an 'international' rider per se because there are large (most) areas of the Bahamas that are beyond 125 nm from Florida. I have Progressive and I have the 125' nm mile limit addition. I think it costs me about $125/yr.
Thank you all for the quick and high quality answers. Lets see, if I add in the length of the bow pulpit and swim platform my 24' Albe will be 27', with a kicker I'll qualify w/Progressive as an offshore worthy boat. I guess I'll be shopping for a new insurance carrier... Thanks again for your help. Mike, guess I'll check NBOA. Tom.
Progressive's 125nm rider is the best coverage you'll find for the money. I couldn't find another major carrier that would match it. State Farm would only go 50nm with no optional rider and AllState quit writing policies in Florida at the start of the 2004 storm season. BoatUS wanted $5000/year for a policy and the small marine insurance groups all had these unrelistic deductibles and no storm coverage or even higher deductible. Good luck shopping.
I went through Geico underwriters, I have full coverage policy with the usual within 50 miles declaration. I asked about going to Bimini, they originally said that they were not shure. They contacted the legal department & offered a ryder for Bimini and surrounding waters for no cost. I will only be making the trip 1x or 2x per year. Sometimes you just have to ask em!
I have a question regarding the no storm policy mentioned earlier. I know moving a 40 ft boat on a trailer is a difficult task which requires proper planning and big dollars but watching the weather channel the last couple summers in their hurricane watches they broadcast from several marinas. I am shocked at the number of 20 to 30 ft boats tied up and left. If it were my boat sitting at the marina and they were saying a huge storm was heading our way two days out I would at the very least pull the boat out of the water and be ready to haulA$$. Do some of these people have the mindset to say it's insured so whatever happens happens or what. That seems to me kind of rediculous. That drives up my insurance and I'm willing to move my boat. I understand some owners are out of state or country or something and I understand alot of boats are to big to trailer but there are alot of trailerable boats that get destroyed by these storms and I don't understand why. Someone please fill in a blank or two for me.
If your boat is at least 26' LOA then Progressive can add a 125 nm limit for an additional fee.
OneWolf, do you know how Progressive determines LOA? Do they come out and measure it, take your word for it, or do you have to have documentation that it is 26+, such as in a brochure? My 25 Grady is 25 at the waterline and is 32' LOA and I was interested in the offshore rider. And, do you know how much it cost you?
If your boat is at least 26' LOA then Progressive can add a 125 nm limit for an additional fee. It is not an 'international' rider per se because there are large (most) areas of the Bahamas that are beyond 125 nm from Florida. I have Progressive and I have the 125' nm mile limit addition. I think it costs me about $125/yr.
I added the 125 mile "Coastal Navigation" coverage for my 26 Regulator. It is $150.00 per year.
I'm sure the hull I.D. # is what specifies your boats' length.
__________________
2006 Pursuit 3480 Drummond Island Sportfish
F250 Yamaha's
Grey-
I ran into the exact same thing with Progressive last year.I told them my boat was classified as a 25 but was almost 27 feet long.They said fine and put the ryder on.We are good in the Bahamas and out to 125 miles now.No problem for us.
Mike
Greygoose
I am shocked at the number of 20 to 30 ft boats tied up and left. If it were my boat sitting at the marina and they were saying a huge storm was heading our way two days out I would at the very least pull the boat out of the water and be ready to haulA$$. Do some of these people have the mindset to say it's insured so whatever happens happens or what. That seems to me kind of rediculous. That drives up my insurance and I'm willing to move my boat.
You and the insurance companies agree, which is why some companies are making it mandatory to move your boat if its trailerable. Some companies won't issue new policies for trailerable boats that are kept in the water.
I drug my boat out of the Keys for 4 storms, at great expense. Left it for Wilma (for numerous reasons) which turned out to have the most damage potential. It made it though perfectly. But moving the boat isn't a stipulation in my policy, and they don't do anything to encourage me to move it. So if its a hassel, there isn't much reason to pull it...
Bahama/Bimini Boat Insurance? 
