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Liquefied
 Post subject: Insurance for 338V
PostPosted: Wed Nov 25, 2009 12:07 pm 
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Starfish

Joined: Thu Aug 14, 2008 6:43 am
Posts: 53
Location: Rootstown, Ohio
Does anyone have a recommend for insurance? Boat is a 2008 338V
I've gotten two quotes, one at $670/yr and other at $874/yr. Is this in the ballpark for what I should be paying?
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mkivbren
 Post subject: Re: Insurance for 338V
PostPosted: Wed Nov 25, 2009 2:38 pm 
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AGE < LOA

Joined: Tue Mar 13, 2007 8:53 pm
Posts: 739
mine is around 500/yr - 1k ded.

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V475
Chris Craft Catalina 23 w/ 300 G2
Previously-V338, 248 Vista, H210
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230 Mike
 Post subject: Re: Insurance for 338V
PostPosted: Wed Nov 25, 2009 3:17 pm 
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230 Mike
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Joined: Mon May 15, 2006 7:59 pm
Posts: 5141
Location: Kansas City, Table Rock Lake
This is a big subject. Be sure to investigate the differences between "agreed value" policies and "traditional depreciation" policies.

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Mike
2005 Four Winns 230/240
VP 5.7GXi/DP
1998 F-150 XLT
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mkivbren
 Post subject: Re: Insurance for 338V
PostPosted: Wed Nov 25, 2009 3:30 pm 
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AGE < LOA

Joined: Tue Mar 13, 2007 8:53 pm
Posts: 739
^^True. I only have mine insured for what I paid. I'm going to have to up it since I won't be able to find another one for the price I paid! Also, mine has a 5 mo. layup..
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firecadet613
 Post subject: Re: Insurance for 338V
PostPosted: Wed Nov 25, 2009 3:58 pm 
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email admin your custom rank

Joined: Thu Jul 13, 2006 7:45 pm
Posts: 2866
Location: Indiana
mkivbren wrote:
^^True. I only have mine insured for what I paid. I'm going to have to up it since I won't be able to find another one for the price I paid!


Keep us posted on how you make out with that. NBOA only wants to insure for what I paid...

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2007 358 T-5.7GXi IB
Previous Boats
'08 H240, '08 V318, '04 268, '04 225
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Winns For Life
 Post subject: Re: Insurance for 338V
PostPosted: Wed Nov 25, 2009 4:45 pm 
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email admin your custom rank

Joined: Mon Jun 08, 2009 5:30 pm
Posts: 171
Location: Louisville, Ohio
It's a boat. Buy the best insurance you can get. S--T happens.

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2003 268 Four Winns Vista
F-350 King Ranch Diesel (Tow)
1990 Four Winns Fredom 180
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wkearney99
 Post subject: Re: Insurance for 338V
PostPosted: Wed Nov 25, 2009 7:49 pm 
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wkearney99

Joined: Fri May 19, 2006 3:50 pm
Posts: 2444
Location: Boat in Annapolis, live in Bethesda, MD
And also look into what's known as an umbrella liability policy, often available from your homeowners insurance company. These are dirt cheap policies that can act as a fallback in the event your other policies do not have sufficient coverage.

Think about it, your boat might only be worth $x. But if you hit a much more expensive boat and injured a number of passengers (your and theirs) think about how quickly the liability could rise into the millions of dollars. If your policy isn't sufficient then you'd risk losing other assets of value (like your house).

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