www.iFourWinns.com

Well, it is that time of year again. I was wondering what everybody has for insurance companies. last year I had Progressive ($400 ) a year. I was looking into BoatUS.. online they quoted me $279.

Just wondering if anybody had suggestions as to where to look and more of where NOT to look.

Thanks for all the help that I know will be pouring in on this one.... ( I hope )

_________________
2007
200H
5.0L volvo Penta
Vermont

We have our boat with Allstate, home, auto, RV, motorcycle.

I believe its going to depend on the individual as to what insurance company to go with. Do you have a good record? Do you like service you get from agent when you need to file a claim.
There are many choices out there, some policies may be cheap, but there service when you need them may not be what you want.

_________________
2000 248 5.7L DP
'92, '94 SXI 750, '08 STX 15F, '12 Ultra LX 300
Videos

I've got NBOA. I used to have State Farm. For a 190 I'd say you would be good to go with Allstate or State Farm also.

_________________
2007 358 T-5.7GXi IB
Previous Boats
'08 H240, '08 V318, '04 268, '04 225

I use the same company that my home owners, auto, and motorcycle is with Farm Bureau. They BEAT anyone I checked with on price (because of their Multi-policy discount) and I've had GREAT service from them (although I haven't had to file a claim). Check with the company your homeowners policy is thru. It might be worth the call.

_________________
'90 Horizon 220 5.8

I use Farmers (boat is insured through Foremost, which is owned by Farmers). I have them for home, auto, boat and my life policy...so I work all the angles on discounts.

_________________
Current Boat:
2004 Sea Ray 320 Sundancer "Nauti Luvin'"

Previous Boats:
1999 298 Vista "Seas The Day"
2008 H200SS "Nauti Luv"
2006 Tahoe Q4

I would also encourage you to reach out to NBOA. They are an agency, not an underwriter, and have been at it for a long time with a great reputation. I've compared the policies/rates from them with others (including Boat U.S.) for each of my boats and they have always come up with the best overall package for my needs. My last underwriter was Zurich, which got out of the marine insurance business this year, so I was unexpectedly faced with shopping for a new policy. My new policy through NBOA has even better coverage than my last, a better agreed value than I would have anticipated and beat the other rates I shopped. Well worth it for their $20 'membership' fee.

_________________
Previously:
2008 V358/Volvo 5.7 GXi Inboards

Had Boat US when we had our cruiser and was happy with them. Have Progressive now with our bowrider. $500,000 of coverage, on water towing and on road towing included. Boat also qualifies to be covered under our $2M umbrella that we have through our home/vehicle insurance provider. Agreed hull, $250 deductible. Yearly premium is $140.

I have to agree with sierra. NBOA is a great company. They are very easy to talk to. We got better rates on everything also. We had Boat US before.

_________________
348 Vista ( Last Call )
Raystown PA

BoatUS for me.

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Mike
2005 Four Winns 230/240
VP 5.7GXi/DP
1998 F-150 XLT
Boat Pic

I switched from my homeowners provider to SeaInsure 2 years ago and saved a lot of money. SeaInsure is part of Sea Tow. If you are a sea tow member you get an additional discouint.

_________________
2008.Fourwinns V358
1999 SeaRay340 Sundancer
1989 SeaRay 260 Cuddy

With this insurance talk...I decided to shop what I have. Here is the quote that I got from BoatUS:

Type of Boat : 200 HORIZON SS W/TRAILER 2008 FOUR WINNS BOATS 20

Cruising Area : U.S. Inland Lakes and Rivers

SUMMARY OF COVERAGES
Boat and Boating Equipment (Agreed Hull Value) : $35,000.00 (SAME AS CURRENT)
Boat and Boating Equipment Deductible : $700.00 (MY CURRENT IS $500)
Storm Deductible : $1,750.00 (UNKNOWN IF I HAVE)
Boating Liability : $100,000.00 (SAME AS CURRENT)
Fuel and Other Spill Liability : $800,000.00 (UNKNOWN IF I HAVE)
Medical Payments : $1,000.00 (MY CURRENT IS $5000)
Boat Trailer : $2,000.00 (SAME AS CURRENT)
Trailer Deductible : $50.00 (MY CURRENT IS $250)
Personal Effects : $.00
Personal Effects Deductible : $.00
Uninsured Boater Protection-Limit each Accident : $100,000.00 (UKNOWN IF I HAVE)
Commercial Towing Assistance - Each incident/Annual limit : $250/500 (CURRENT IS $500)

TOTAL ANNUAL PREMIUM : $563.00
STATE SURCHARGE : $.00
BOAT U.S. MEMBERSHIP (Required if not a Member) :$24.00
TOTAL ANNUAL COST : $587.00 (MY CURRENT IS $636)

_________________
Current Boat:
2004 Sea Ray 320 Sundancer "Nauti Luvin'"

Previous Boats:
1999 298 Vista "Seas The Day"
2008 H200SS "Nauti Luv"
2006 Tahoe Q4

What you also get with BoatUS is the knowledge that you're supporting an organization that actively works for boater's rights, waterway access, boater education, etc.

Sort of off topic, but it's also timely to remind people that in addition to good boat insurance, IMO anyone who owns a boat should also have an umbrella liability policy. They're not very expensive.

_________________


Mike
2005 Four Winns 230/240
VP 5.7GXi/DP
1998 F-150 XLT
Boat Pic

I just requested a quote from MBOA. We will see!

_________________
2001 Horizon 260 - 7.4 Volvo GSI DP

I never got a response from them.

_________________
Current Boat:
2004 Sea Ray 320 Sundancer "Nauti Luvin'"

Previous Boats:
1999 298 Vista "Seas The Day"
2008 H200SS "Nauti Luv"
2006 Tahoe Q4

Just for grins I went through the first several pages of an online quote request from NBOA, but just from the questions they were asking I know I'm not going to get the same level of agreed-value no-deductible yacht policy with the same coverages as I've got from BoatUS, and I don't want a credit check hit just to confirm that. If I were to seriously consider a change I'd have to call them on the phone.

_________________


Mike
2005 Four Winns 230/240
VP 5.7GXi/DP
1998 F-150 XLT
Boat Pic