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No max hp plate on the boat=no insurance

Old 06-19-2018, 09:02 AM
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Default 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 donít 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 canít cover the boat. I have asked others who have the same boat and was told their boats didnít have the plate either. Do some boats have them and some donít?

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
Old 06-19-2018, 09:06 AM
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I'm an insurance agent and I have never had a problem or been asked by one of my carriers if the boat had a plate.
Old 06-19-2018, 09:08 AM
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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.
Old 06-19-2018, 09:08 AM
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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.
Old 06-19-2018, 09:12 AM
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My agent said itís 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 Iíve 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
Old 06-19-2018, 09:14 AM
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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 itís the same weight and only a $1000 more.

Any way way to find out for sure?
Old 06-19-2018, 09:18 AM
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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.
Old 06-19-2018, 09:28 AM
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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...
Old 06-19-2018, 09:29 AM
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OP, Check with Progressive. I use them for about 20 years and four boats. They never asked me for a plate.
Old 06-19-2018, 09:37 AM
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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.
Old 06-19-2018, 09:38 AM
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The engine Iím 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 doesnít seem to be an issue so I canít imagine 5-10 pounds would. Iím not an engineer so take it for what itís worth.
Old 06-19-2018, 09:49 AM
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I've never been asked to confirm max HP, however I wonder if it's a way for them to get out of a claim if it's over?
Old 06-19-2018, 09:51 AM
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Do all boats have the plate showing max power?

I think this is the first boat Iíve had that doesnít have one.
Old 06-19-2018, 10:13 AM
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https://web.archive.org/web/20050206...ecs%20Page.htm

Says 175hp max.
Old 06-19-2018, 10:19 AM
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Originally Posted by cp5899 View Post
Do all boats have the plate showing max power?

I think this is the first boat I’ve had that doesn’t have one.
No, there are specific requirements stating which need to have based on length. Google
Old 06-19-2018, 10:21 AM
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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.
Old 06-19-2018, 10:21 AM
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Thanks. I just screen shot that page so I have it. To bad itís not 200 for only another $1000.
Old 06-19-2018, 10:22 AM
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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
Old 06-19-2018, 10:22 AM
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Originally Posted by 13 Rounds View Post
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?
Old 06-19-2018, 10:24 AM
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here you go.....

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