Insurance premiums

Jdpber · **Posted:** Thu Jul 14, 2016 11:15 am

what coverage and prices with which companies do people have?

I was quoted $715/yr $500 deductible from State Farm for a 14k boat, 1k personal property, 100k Liability, 3k Med Pay, .

Progressive online: $387yr $34.46/mo $250 Deductible : 14k agreed value, 100k personal/300k accidental/100k property damage, Uninsured 100k personal/300k accident, 2,500 med pay each person, personal property 5k, THIS IS LOOKING LIKE A MUCH BETTER QUOTE

Geico $200----$6,700 $500 deduct, $1,500 trailer, 100/300 liability, $939,800 contamination fluid spill coverage, 300k uninsured boater, $250 towing,
I feel like this is a swiss cheese policy and claims may be a hassle.

Allstate just quoted me $271 with a $250 deductible
$14,500 agreed value
$1,500 trailer
250k liability
$1,400 additional
$1,000 tow help
$2,000 med per person

Applied for a Boat US quote thru my membership. see what they have to say

WHAT do you guys have and pay?????

230 Mike · **Posted:** Thu Jul 14, 2016 2:01 pm

Around $600 for a BoatUS yacht policy (agreed replacement value and no depreciation). That includes some credit for no claims, but, IMO it's also a much better boat policy than any of the car insurance companies offer. Don't overlook the risk of fuel spill cleanup.

If you're eligible for USAA I've heard good things about them.

Jdpber · **Posted:** Thu Jul 14, 2016 2:16 pm

no military ins here otherwise i would have gone tot hem first. And i agree that i feel that BoatUS will be the best as they are old and based on boats and not a cross over. I would get with one of the global companies that Dad Surveys for but they cover the big money boats and not us small potato guys lol.

Vintage Beauty · **Posted:** Thu Jul 14, 2016 2:42 pm

Progressive. Quoted through State Farm and it was ridiculous. Here's my details:

BODILY INJURY & PROPERTY DAMAGE LIABILITY
BI $250,000 EACH PERSON - $500,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $100,000 EACH ACCIDENT
UNINSURED BOATERS
$100,000 EACH PERSON - $300,000 EACH ACCIDENT
COMPREHENSIVE $0 DED AGREED VALUE
AGREED VALUE $5,200
COLLISION $0 DED AGREED VALUE
AGREED VALUE $5,200
DISAPPEARING DEDUCTIBLE INCL
WRECKAGE REMOVAL INCL
MARINE ELECTRONICS DED $500 INCL
TRAILER DED $250 INCL
FUEL SPILL LIABILITY INCL
$5,000 REPLACEMENT COST PE $250 DED
SIGN & GLIDE(R)
MED PAY/WATERSKIER'S MED PAY $5,000 EACH PERSON
COASTAL NAVIGATION 75 NAUTICAL MILES INCL
ROADSIDE ASSISTANCE INCL

Premium by Watercraft $228.00
Total Policy Premium $228.00

230 Mike · **Posted:** Thu Jul 14, 2016 3:10 pm

Insurance is one of those things, you get what you pay for at claim time.

zims1993 · **Posted:** Thu Jul 14, 2016 3:43 pm

Allstate - $237/yr

$10k agreed value (this will change this year now)
$1500 trailer
$1000 misc items
and same liability I have basically for all my vehicles which is $500k/$250k, uninsured boaters, etc.

And yes filed claim with them on my damage last week. $4400 repair bill, no inspection or investigator required. Been great to deal with so far.

Jdpber · **Posted:** Thu Jul 14, 2016 3:57 pm

230 Mike wrote:

Insurance is one of those things, you get what you pay for at claim time.

yes but $700 is drastically higher than other policies. No i do not want $9.99 cut rate. But i do not want to get RAPED either lol

Jdpber · **Posted:** Thu Jul 14, 2016 4:01 pm

zims1993 wrote:

Allstate - $237/yr

$10k agreed value (this will change this year now)

what are you upping yours to?

Jdpber · **Posted:** Thu Jul 14, 2016 4:23 pm

Allstate just quoted me $271 with a $250 deductible

$14,500 agreed value
$1,500 trailer
250k liability
$1,400 additional
$1,000 tow help
$2,000 med per person

zims1993 · **Posted:** Thu Jul 14, 2016 4:31 pm

Most likely close to yours $15k and $1500 on trailer.

joet · **Posted:** Fri Jul 15, 2016 3:29 am

Progressive

BODILY INJURY & PROPERTY DAMAGE LIABILITY $300,000 COMBINED SINGLE LIMIT
UNINSURED BOATERS $50,000 EACH PERSON - $100,000 EACH ACCIDENT
MED PAY/WATERSKIER'S MED PAY $5,000 EACH PERSON
COMPREHENSIVE $0 DED AGREED VALUE $19,000
COLLISION $0 DED AGREED VALUE AGREED VALUE $19,000
DISAPPEARING DEDUCTIBLE INCL
WRECKAGE REMOVAL INCL
MARINE ELECTRONICS DED $500 INCL
TRAILER DED $250
FUEL SPILL LIABILITY INCL
COASTAL NAVIGATION 75 NAUTICAL MILES INCL

Premium by Watercraft $233.00

The boat is also covered by a $1mil umbrella policy.

Capt. Hoss · **Posted:** Fri Jul 15, 2016 6:24 am

230 Mike wrote:

Around $600 for a BoatUS yacht policy (agreed replacement value and no depreciation). That includes some credit for no claims, but, IMO it's also a much better boat policy than any of the car insurance companies offer. Don't overlook the risk of fuel spill cleanup.

If you're eligible for USAA I've heard good things about them.

USAA doesn't cover watercraft or off-road vehicles, they go through Progressive. I know cause that's who I had to go through, but they do give a discount for being a USAA member. I will have to look at my policy to see what I have.

zims1993 · **Posted:** Fri Jul 22, 2016 11:15 am

Just updated my Allstate ins, as above but 500K liability and premium is now $350/yr. Also added umbrella policy for house/vehicles/boat for $190/yr. Should be more then enough coverage for anything that ever happens now.

TX H210SS · **Joined:** Thu May 27, 2010 9:10 am **Posts:** 1488

Wow.....I will read details of my policy......I pay 450 per year with 32k value....10k med per person med and I have tow, uninsured boater and think 100k or 250k liability and 1500 trailer. I'm inland and store inside which was part of it plus only boat fresh which is in policy. I believe carrier is Seahorse and written thru McGriefs out of Dallas. ...

www.iFourWinns.com

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