Go Back  The Hull Truth - Boating and Fishing Forum > BOATING FORUMS > Dockside Chat
Reload this Page >

Who do you guys use for boat insurance?

Notices

Who do you guys use for boat insurance?

Old 04-18-2012, 09:29 AM
  #1  
Admirals Club Admiral's Club Member
Thread Starter
 
Join Date: Mar 2012
Location: S. FLA
Posts: 634
Default Who do you guys use for boat insurance?

I was shopping around the other day after seeing all these damn Allstate commercials with Mayhem, and Progressive with Flo.

Coverage for a 93 Proline with 2001 double axle Trailer, and 2006 Yamaha 225 4 stroke.

I heard about Boat Us and after getting a quote it was $2300/yr for full coverage, agreed hull value and towing, medical, personal item replacement, etc.
Progressive was about $2400/yr same coverage and at this point I was about to say screw insurance. Then I went to Gieco, they transferred me to a underwriter department that writes their boat policy. Same coverage as above plus it covers the trailer and agreed hull value of $18k for a whooping $414/yr I was shocked how much I was getting covered and how cheap it was compared to the other 3 companies I called that were all $2000 or above.


My other 2006 29' w twin 225's came out to $783/yr for same coverages but no trailer bc it's on the lift behind the house.

My buddy is looking into a Scarab 35 Cuddy w twin 275's came out to $1087/yr with same coverage no trailer.

Gieco underwrites with SeaWorthy, so maybe this will help some of you that are paying too much
reeferog is offline  
Old 04-18-2012, 09:37 AM
  #2  
Admirals Club Admiral's Club Member
 
Dulcecita Lures's Avatar
 
Join Date: Nov 2009
Location: Tempe, AZ
Posts: 16,760
Default

One Beacon. Yacht insurance policy with agreed value.
Agreed value on my 2002 ProKat - $83k. Cost per year? $1376
This includes an endorsement for operation in Mexican waters up to 50 miles south of Cabo San Lucas.

BoatUS and Progressive were trying to rip you big time on that Proline!
Dulcecita Lures is offline  
Old 04-18-2012, 09:55 AM
  #3  
Senior MemberCaptains Club Member
THT sponsor
 
Schmaltz~Herring's Avatar
 
Join Date: May 2002
Location: Cruising Lake Titikacka On My 18' Bayliner Element With 60 HP Optimax's
Posts: 17,344
Default

That's more premium than my 2011 CV.
Schmaltz~Herring is offline  
Old 04-18-2012, 05:05 PM
  #4  
Admirals Club Admiral's Club Member
 
Join Date: Aug 2011
Location: Carolina Beach/Charlotte/Lake Wylie
Posts: 1,338
Default

Get a quote from NBOA marine ins.
steve a59 is offline  
Old 04-18-2012, 06:16 PM
  #5  
Senior Member
 
Join Date: Apr 2010
Location: Mass/Rhode Island
Posts: 1,115
Default

I just signed up with charter lakes marine insurance. Very easy and good price.
mercbravo1 is offline  
Old 04-18-2012, 06:32 PM
  #6  
Senior Member
 
Join Date: Apr 2011
Location: Cherry Hill/LBI
Posts: 2,164
Default

United Marine Underwriters
NJLorelei is offline  
Old 04-18-2012, 06:46 PM
  #7  
Senior Member
 
Join Date: Jan 2011
Location: Northern Burbs of the Motor City
Posts: 6,305
Default

Originally Posted by reeferog View Post
I was shopping around the other day after seeing all these damn Allstate commercials with Mayhem, and Progressive with Flo.

Coverage for a 93 Proline with 2001 double axle Trailer, and 2006 Yamaha 225 4 stroke.

I heard about Boat Us and after getting a quote it was $2300/yr for full coverage, agreed hull value and towing, medical, personal item replacement, etc.
Progressive was about $2400/yr same coverage and at this point I was about to say screw insurance. Then I went to Gieco, they transferred me to a underwriter department that writes their boat policy. Same coverage as above plus it covers the trailer and agreed hull value of $18k for a whooping $414/yr I was shocked how much I was getting covered and how cheap it was compared to the other 3 companies I called that were all $2000 or above.


My other 2006 29' w twin 225's came out to $783/yr for same coverages but no trailer bc it's on the lift behind the house.

My buddy is looking into a Scarab 35 Cuddy w twin 275's came out to $1087/yr with same coverage no trailer.

Gieco underwrites with SeaWorthy, so maybe this will help some of you that are paying too much
huh ? Boat U.S. since the boat was purchased new. Agreed value for a Whaler 18 ft 240/year add about 60.00 for unlimited freshwater towing and trailer assist.

Done. and happy
magua is offline  
Old 04-18-2012, 08:04 PM
  #8  
CME
Admirals Club Admiral's Club Member
 
Join Date: Mar 2010
Posts: 3,846
Default

Ace
CME is offline  
Old 04-27-2012, 07:56 AM
  #9  
Junior Member
 
Join Date: Mar 2012
Location: NY & LI
Posts: 27
Default

Originally Posted by reeferog View Post
I was shopping around the other day after seeing all these damn Allstate commercials with Mayhem, and Progressive with Flo.

Coverage for a 93 Proline with 2001 double axle Trailer, and 2006 Yamaha 225 4 stroke.

I heard about Boat Us and after getting a quote it was $2300/yr for full coverage, agreed hull value and towing, medical, personal item replacement, etc.
Progressive was about $2400/yr same coverage and at this point I was about to say screw insurance. Then I went to Gieco, they transferred me to a underwriter department that writes their boat policy. Same coverage as above plus it covers the trailer and agreed hull value of $18k for a whooping $414/yr I was shocked how much I was getting covered and how cheap it was compared to the other 3 companies I called that were all $2000 or above.


My other 2006 29' w twin 225's came out to $783/yr for same coverages but no trailer bc it's on the lift behind the house.

My buddy is looking into a Scarab 35 Cuddy w twin 275's came out to $1087/yr with same coverage no trailer.

Gieco underwrites with SeaWorthy, so maybe this will help some of you that are paying too much


Hi Reeferog,
It sounds like you’ve been doing your homework, but if you’re still open to saving on your insurance without giving up any coverage we may be able to help you at SkiSafe insurance.

Our new program can provide full coverage on your boat, motor and trailer along with protection for liability and medical payments coverage. There are also a number of options you can choose from including towing, personal property coverage and disappearing deductibles. You can review everything online at www.skisafe.com, but I can also walk you through all of the options and discounts any time. Feel free to drop me a line on here or give me a call with any questions. Either way, have a great time on the boat this year!

Josh
ext 352
SkiSafe Insurance is offline  
Old 04-27-2012, 12:26 PM
  #10  
Senior Member
 
Join Date: Mar 2006
Location: South Carolina
Posts: 9,755
Default

Try Markel best rate and covering I have found for a hurricane state.
hhi angler is offline  
Old 04-27-2012, 12:39 PM
  #11  
Senior MemberCaptains Club Member
 
Join Date: Jul 2006
Location: So. Fla.
Posts: 372
Default

2000 Jup 31, at my dock in Miami, agreed value with all of the other stuff

BoatUS wanted 2800
Progressive wanted 6000
Great Lakes Reinsurance 2300
Seawave not quoted; did not cover theft
SeaWorthy 2400, no windstorm
Chartis 1500
AMICA would not write a 31
State Farm, won't write
GEICO, not checked

Last edited by Hound; 04-27-2012 at 12:56 PM.
Hound is offline  
Old 04-27-2012, 12:44 PM
  #12  
Senior MemberCaptains Club Member
 
Join Date: Feb 2004
Location: Raleigh & Surf City, NC
Posts: 12,848
Default

Progressive. I had State Farm with the old boat and when I got a quote for my current boat it seemed very high so I shopped around (a little). Progressive was about 1/2 what S F wanted.

I've never had a claim but I believe there was a recent thread about Progressive wanting to hold the money too tight in the event of a loss.
baypro21 is online now  
Old 04-27-2012, 02:48 PM
  #13  
Admirals Club Admiral's Club Member
 
Join Date: Dec 2010
Posts: 61
Default

I had progressive through USAA.
Time to re-new and was referred to Charter Lakes. I received better coverage and saved 38%. Progressive was 939.00 a year. Charter Lakes is 586.00.
9082andy is offline  
Old 04-27-2012, 04:19 PM
  #14  
Senior Member
 
Join Date: Jan 2011
Location: Pgh Pa
Posts: 14,809
Default

Originally Posted by steve a59 View Post
Get a quote from NBOA marine ins.
Mine is agreed $97000.00 with trailer and all the other coverage. $457.00 a year. Boat U.S wanted $950.00
Thalasso is offline  
Old 04-27-2012, 04:25 PM
  #15  
Senior Member
 
Join Date: Jul 2011
Location: East Coast
Posts: 4,974
Default

I also have boat us. for $20k it was $300 for a year or something.
ShaftINIT is offline  
Old 04-27-2012, 06:10 PM
  #16  
Member
 
Join Date: Apr 2010
Posts: 33
Default

What was the agreed value ? I got a chartis qoute for 2100 on a similar Jupiter set up....
Hope is offline  
Old 04-27-2012, 08:02 PM
  #17  
Senior Member
 
Join Date: May 2002
Location: Lexington Park, MD
Posts: 429
Default

Nationwide has always been good to me.
Snow Shovel is online now  
Old 04-28-2012, 07:40 AM
  #18  
Senior Member
 
Join Date: Jan 2007
Location: See screen name
Posts: 5,241
Default

ACE but for a whole different kind of boat. No issues and fast in paying small claims at least (and still lowering subsequent premiums). Only experience with Geico is on the auto side, and they are horrible at claims settlement, again, just in our experience. I guess you can be cheaper if you don't pay out, or take your sweet time doing it. We use Allstate for cars now.
caltexflanc is offline  
Old 04-28-2012, 08:04 AM
  #19  
Admirals Club Admiral's Club Member
 
Squidd Vicious's Avatar
 
Join Date: Feb 2009
Location: Nowhere near Uranus
Posts: 6,684
Default

Allstate sucks. All those ads you see on television, guess who pays for them. The people who are insured by them. That's why their premiums are so high. The local agent is an arrogant little shit too.
Squidd Vicious is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are On
Refbacks are Off


Thread Tools
Search this Thread