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Who do you guys use for boat insurance?

Old 04-18-2012, 09:29 AM
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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
Old 04-18-2012, 09:37 AM
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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!
Old 04-18-2012, 09:55 AM
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That's more premium than my 2011 CV.
Old 04-18-2012, 05:05 PM
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Get a quote from NBOA marine ins.
Old 04-18-2012, 06:16 PM
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I just signed up with charter lakes marine insurance. Very easy and good price.
Old 04-18-2012, 06:32 PM
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United Marine Underwriters
Old 04-18-2012, 06:46 PM
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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
Old 04-18-2012, 08:04 PM
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Ace
Old 04-27-2012, 07:56 AM
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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
Old 04-27-2012, 12:26 PM
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Try Markel best rate and covering I have found for a hurricane state.
Old 04-27-2012, 12:39 PM
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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.
Old 04-27-2012, 12:44 PM
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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.
Old 04-27-2012, 02:48 PM
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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.
;?
Old 04-27-2012, 04:19 PM
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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
Old 04-27-2012, 04:25 PM
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I also have boat us. for $20k it was $300 for a year or something.
Old 04-27-2012, 06:10 PM
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What was the agreed value ? I got a chartis qoute for 2100 on a similar Jupiter set up....
Old 04-27-2012, 08:02 PM
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Nationwide has always been good to me.
Old 04-28-2012, 07:40 AM
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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.
Old 04-28-2012, 08:04 AM
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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.

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