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Boat insurance options for VA

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Old 04-04-2018, 08:22 AM
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Default Boat insurance options for VA

I was recently quoted $900 annually for $30k of comprehensive coverage, $300k liability, $5k for fishing gear, and $3k for the trailer from Boat US. That seems a little high to me, as my auto policy with comprehensive on two vehicles isn't much more than that. I have a clean record and I was paying far less than that in NC. Should I stick with that or does anyone know of a company with better rates for the same coverage?
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Old 04-04-2018, 09:11 AM
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Contact Liz Pitts at Wells Insurance: https://www.wellsins.com/meet-our-team/
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Old 04-04-2018, 09:28 AM
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Charter Lakes. They are a sponsor here. Charter Lakes Marine Insurance
110 Channel Marker Way, Suite 102
Grasonville, MD 21638
[email protected]
410-827-7750
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Old 04-04-2018, 09:41 AM
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I agree - I just purchased insurance through April at Charter Lakes and she was very helpful and easy to deal with. The coverage and rates look good (never had a claim of course)
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Old 04-04-2018, 09:50 AM
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Charter lakes all the way
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Old 04-04-2018, 10:04 AM
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Originally Posted by Vitamin_Sea View Post
I was recently quoted $900 annually for $30k of comprehensive coverage, $300k liability, $5k for fishing gear, and $3k for the trailer from Boat US. That seems a little high to me, as my auto policy with comprehensive on two vehicles isn't much more than that. I have a clean record and I was paying far less than that in NC. Should I stick with that or does anyone know of a company with better rates for the same coverage?
I think Boat US belongs to Geico now. I just switched from Geico to Travelers for a much lower rate. Not sure if Travelers does business in VA, though.
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Old 04-04-2018, 10:54 AM
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Originally Posted by minimax View Post
I think Boat US belongs to Geico now. I just switched from Geico to Travelers for a much lower rate. Not sure if Travelers does business in VA, though.
Yes they do. I asked for a boat insurance quote from Geico and was transferred to Boat US.
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Old 04-04-2018, 11:43 AM
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April at Charter Lakes.

Switched a couple of hears ago from Usaa/Progressive to CL, a lot cheaper and better coverage.
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Old 04-04-2018, 01:27 PM
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Charter Lakes all the way. I just dropped Boat US after the stiff increase as well.
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Old 04-04-2018, 01:53 PM
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I use Markel Yachtsman. I have 120k agreed upon hull value, 500k liability, etc. etc.. I'm right at 1200. Yours seems very HIGH!
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Old 04-04-2018, 04:39 PM
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I'm in VA and have Progressive. Worked out very well so far. For my situation it is about $400/yr (and I had 1 total loss which they paid very promptly).
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Old 04-04-2018, 07:44 PM
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Another vote for Charter Lakes. $325/year for boat and gear coverage similar to yours.
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Old 04-05-2018, 09:59 AM
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A little more on the Charter Lakes recommendation. I had someone break into my old boat and steal a bunch of high end fishing gear out of the cabin 5+ years ago. Found out about it on a Sunday, called and left a message with Charter outside of business hours. Guy called me back within a few minutes, got my info and got the claim going immediately. Filed everything and got reimbursed -- less depreciation -- for everything very quickly with no arm twisting. Super fast turnaround on payment. Great folks to work with. The fact that the price was good, and my rates didn't even go up, was a bonus. Fantastic company from my experience.
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Old 04-05-2018, 11:59 AM
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I saw this post and just got renewal from boatus.. Post made me very interested in opening letter.. @ same coverage just under $500 (50k instead of 30k)

I just sent email to Charterlakes

Last edited by heycharlie; 04-05-2018 at 12:36 PM.
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Old 04-06-2018, 10:42 AM
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Charter Lakes quote for the same coverage, except $35,000 on the boat: $300 annually

Thanks guys!
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Old 04-07-2018, 03:48 AM
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I have boatus, and pay $305 a year. Same level of coverage as OP. Agreed upon value $77K. I am curious as to the large variation? Going on fourth year without a significant bump.
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Old 04-07-2018, 05:43 AM
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I used to be in VA and ins. on a 32' express cruiser was much less, but a large no. of factors can change the price. I suggest you shop around some more.
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Old 04-09-2018, 01:06 PM
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Is it normal for insurance company to ask for SSN?

googled it.. yes they do ask.. I don't like my ssn on printed paperwork or transmitted.. Makes it easier to steal.
Hope April doesn't need it to give quote..

Last edited by heycharlie; 04-09-2018 at 01:47 PM.
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Old 04-10-2018, 08:06 AM
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Originally Posted by heycharlie View Post
Is it normal for insurance company to ask for SSN?

googled it.. yes they do ask.. I don't like my ssn on printed paperwork or transmitted.. Makes it easier to steal.
Hope April doesn't need it to give quote..
I did not provide them with my social. It is not mandatory.


I just recieved my quote from Julie.
$1 cheaper than Geico. BUT.... the policy includes $2,500 towing reimbursement and trailering coverage. So when June rolls around that's $170 I do not need to spend for towing insurance. So I save $171
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Old 04-10-2018, 08:24 AM
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Thanks my friend,, I hope to get quote back soon.. Wanted to put my boat in for the yr this week, (tog calling me) weather just not looking good
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