No max hp plate on the boat=no insurance
06-19-2018, 09:02 AM
#1
Admirals Club 
Thread Starter
No max hp plate on the boat=no insurance
I bought a 2001 seacraft 20 last fall and looking to repower it with a new mercury. I don’t have insurance on the boat as of yet and when I called State Farm (I have all my cars and home with them) they said with out a max hp and weight plate on the boat they can’t cover the boat. I have asked others who have the same boat and was told their boats didn’t have the plate either. Do some boats have them and some don’t?
Any recommendations for other insurance companies? I have a 135 opti in the boat now and want to go to the new 175 or 200 hp four stroke v6.
Thanks
Any recommendations for other insurance companies? I have a 135 opti in the boat now and want to go to the new 175 or 200 hp four stroke v6.
Thanks
06-19-2018, 09:08 AM
#3
Senior Member
I have BoatUS/Geico insurance and they never asked about the max hp/weight plate.
Dont know if manufacturer is still in business may could order some ne from them.
Dont know if manufacturer is still in business may could order some ne from them.
06-19-2018, 09:08 AM
#4
Senior Member
In all my years of boat owning and buying insurance I have never been asked what was on the plate. Let alone if there is one.
06-19-2018, 09:12 AM
#5
Admirals Club
Thread Starter
My agent said it’s a question that is asked and has to be in place when it goes to underwriting.
I just need to go with a new insurance carrier. The only time I’ve ever made a claim in 20 years with State Farm was during the flood in 2016 and we lost a ton of money on all 5 vehicles and the boat we had with them. All were new vehicles and the boat was 6 months old.
Anyone recommend a good boat insurance company?
thanks
I just need to go with a new insurance carrier. The only time I’ve ever made a claim in 20 years with State Farm was during the flood in 2016 and we lost a ton of money on all 5 vehicles and the boat we had with them. All were new vehicles and the boat was 6 months old.
Anyone recommend a good boat insurance company?
thanks
06-19-2018, 09:14 AM
#6
Admirals Club
Thread Starter
Because there is no plate and Seacraft is not in business how can I determine the max hp? Ive read it was 175. I wanted to go with the 200 because it’s the same weight and only a $1000 more.
Any way way to find out for sure?
Any way way to find out for sure?
06-19-2018, 09:18 AM
#7
Admirals Club
I've insured 3 different boats with State Farm. Only one had a plate, but I was never asked either. 2 of the boats went nearly 80 MPH. I don't think the plate is required, at least over a certain length boat.
06-19-2018, 09:28 AM
#8
Admirals Club
I had a boat insured with State farm years ago and was never asked to verify the plate is on the boat. Perhaps they are just trying to confirm what you want to repower with is within the manufacturers limits? Maybe you can find a manual or some proof to show? In any event, there are many insurance companies out there, probably easier just to get insurance from elsewhere. That said, you don't want to over power your boat or put something that weighs too much on the back of your boat. You still probably need to confirm what the max weight and HP the manufacturer certified or ever sold on the boat.
PS. you might want to update your thread title as it is misleading. you should add in something about repowering and statefarm...
PS. you might want to update your thread title as it is misleading. you should add in something about repowering and statefarm...
06-19-2018, 09:37 AM
#10
Senior Member
Was the boat rebuilt? According the classic seacraft website the 20s from the 70s had a plate or decal stating the max hp. One from 2001 should have a something. If the boat is still original have you checked under the helm? That is where is was for a some people.
I think is the coast guard rule watercraft 20 feet and under must have a max hp plate. Or something to that effect. Over 20 no plate needed.
I think is the coast guard rule watercraft 20 feet and under must have a max hp plate. Or something to that effect. Over 20 no plate needed.
06-19-2018, 09:38 AM
#11
Admirals Club
Thread Starter
The engine I’m planning to go with weights 5-10 pounds more than my current optimax. To get to that number I also included the weight of 2.5 gallons of 2 stroke oil and the container itself. I stand on top of my engine from time to time to cast and with 200 extra pounds in the back it doesn’t seem to be an issue so I can’t imagine 5-10 pounds would. I’m not an engineer so take it for what it’s worth.
06-19-2018, 10:19 AM
#15
Admirals Club
Originally Posted by cp5899
Do all boats have the plate showing max power?
I think this is the first boat I’ve had that doesn’t have one.
I think this is the first boat I’ve had that doesn’t have one.
06-19-2018, 10:22 AM
#18
Admirals Club
Its not about the max HP anymore on these boats, its about the max weight, back then a 150 could've weight 600LBS and nowadays a 200HP could weight 550lbs. I restored my 20 sea craft (2017) with a new mercury 115 and I can go around 32-35MPH on sea conditions, trim etc. Some put a 150. But its not about HP because back then a 175 is all the weight that transom can hold, a brand new 200 could have the same weight if not less then an old 175
06-19-2018, 10:22 AM
#19
Admirals Club
Thread Starter
Originally Posted by 13 Rounds
Never had an issue insuring my 20' Seacraft with a 250 Yamaha ox66. Geico never asked me what max horsepower was for the boat or if it had a sticker.
Does your have a max power plate? What kind of speed do you see with the 250?
