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Psa--- check your boating insurance

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Psa--- check your boating insurance

Old 05-15-2019, 03:45 PM
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Default Psa--- check your boating insurance

I have always had Sea Tow insurance and used it twice in 20 years.
I recently reviewed my Progressive Insurance policy with my agent due to another members post (mascked) that he had $10,000 worth of tow insurance built into his boat insurance policy for $75 bucks extra.

I am covered through Progressive for up to 75 nautical miles offshore for towing. You just have rowboat or Sea Tow call a 1800 number and give them your policy number and sign the bill of the tow company and go..

So no need for Sea Tow expense.


Just some info, I hope it helps someone.
Old 05-15-2019, 03:55 PM
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I have Charter lakes with a tow clause. I did it because that way, first one there gets the check. I dont have to be married to either.
Old 05-15-2019, 05:29 PM
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Supposedly if a Sea Tow operator has 10 calls in a hour he's going to come take care of his members first. Is that true? I have no clue I'd bet each franchise operates under their own set of rules.
Old 05-15-2019, 05:38 PM
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Originally Posted by Kenner21 View Post
Supposedly if a Sea Tow operator has 10 calls in a hour he's going to come take care of his members first. Is that true? I have no clue I'd bet each franchise operates under their own set of rules.
I have no idea..I wonder if the fact they can bill me 2K to my insurance company for a tow (might influence that). First come first get it, dunno
Old 05-15-2019, 05:41 PM
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will your boat insurance increase after a $3000 tow from 50 miles out?
Old 05-15-2019, 06:09 PM
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Originally Posted by EMC Pursuit View Post
I have Charter lakes with a tow clause. I did it because that way, first one there gets the check. I dont have to be married to either.
I would not expect a race between the two. If either of them would do it at all (highly dependent upon location), they would call first and get an authorization before heading out.
Old 05-15-2019, 06:10 PM
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Originally Posted by dell30rb View Post
will your boat insurance increase after a $3000 tow from 50 miles out?
Dunno, you are paying for that benefit in your insurance to some degree already..
Course then you can pay an additional money to Sea Tow for services you may use and already pay for in insurance. I have paid Sea Tow for 20 years and used it once for ocean tow and once for road tow for my vehicle and boat off the interstate....

This is not a bash of Sea Tow BTW. Just my realizing I have very good tow insurance already..

Last edited by Cracker; 05-15-2019 at 06:15 PM.
Old 05-15-2019, 06:13 PM
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Originally Posted by Kenner21 View Post
Supposedly if a Sea Tow operator has 10 calls in a hour he's going to come take care of his members first. Is that true?
Yes. Subscribers get priority.
Old 05-15-2019, 06:16 PM
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I prefer to keep my tow insurance separate from my boat insurance policy.

My tow insurance/Boat US policy will never go up no matter if I need a tow to maintenance facility, fuel drop or for an emergency call.
Old 05-15-2019, 06:17 PM
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Originally Posted by dell30rb View Post
will your boat insurance increase after a $3000 tow from 50 miles out?
Count on it!
Old 05-15-2019, 06:40 PM
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I’ve posted this on a couple of threads - after doing some research it seems like the insurance carriers have the right to count a tow like this as a “claim” ... if anyone has concrete info on that I’d be interested to hear it.
Old 05-15-2019, 08:10 PM
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Originally Posted by EMC Pursuit View Post
I have Charter lakes with a tow clause. I did it because that way, first one there gets the check. I dont have to be married to either.
You know Charter Lakes isn't an insurance company, right?
Old 05-16-2019, 02:17 PM
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Originally Posted by Fish'nFool View Post
Count on it!
It is possible but of it is towing it may cause a minor increase because towing maybe part of a rider or something and not under the insurance side, like you, I dunno but I will risk it on my twin engine vessel..
Old 05-16-2019, 02:21 PM
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I've had Progressive with the towing adder, used it for the first time last year. Easy call to their #, then called the contracted SeaTow guy, quick response and back to the ramp. No major increase to my policy for this term.

For my small boat the towing costs a little more than the liability.
Old 05-16-2019, 02:43 PM
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I have SeaTow as my primary, and my policy supplied insurance as a back up. Members get first priority for the tow and $75 for SeaTow is about the least expensive thing for my boat.
Old 05-16-2019, 02:53 PM
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Originally Posted by the_gooch View Post
You know Charter Lakes isn't an insurance company, right?
What jerk.
Old 05-16-2019, 06:11 PM
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Originally Posted by tbaxl View Post
I have SeaTow as my primary, and my policy supplied insurance as a back up. Members get first priority for the tow and $75 for SeaTow is about the least expensive thing for my boat.
I know they say you are priority if ypu are a member but I wonder if the fact they can charge at least 250 to 500 an hour for a tow for non members might not get them to come to those tows first, dunno..

But I do know what they say..

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