www.iFourWinns.com

$32 per month to Progressive

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2003 Horizon 240 With 5.7 Volvo Penta

Does anyone know if your insurance will give you a break if you buy and install a Spot Alarm system from ie: West Marine that sells for $399.00 and $150.00 a year for monitoring if your boat is stolen or you need help and push the SOS button they know where the boat is through satellite tracking and dispatch the proper authorities.

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2007 Four Winns H210 SS
1996 16' Lund (fishing boat)
2008 Ford Expedition Max Limited

Agreed upon value ( I calculated the cost of the used boat and the accessories I have added) for boat and trailer. $276 through Progressive. USAA does not do marine.

My buddy does alot of offshore and he said the policies are more expensive if it has the offshore option. I think he pays in the 5-600 range.

Again, it is hard to compare unless you have all the facts, but at least you know if you are in the rough ballpark.

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2010 Sea Hunt Triton 220 "Big Whiskey"
2003 FW Freedom 180 Volvo Penta 4.3GL/SX-M "It'll Do Four Now" (Sold)
2012 Avalanche LTZ 4X4

Try NBOA,people that deal with boats. not home car or life insurers. I have an 07 298. 500.00 a year. Gaurenteed replacement cost minus deductable.

Get your story staight dude.



07' 288 Vista or an 07' 298 Vista (which they quit making in 2005). I'd love to see some pictures of your 2007 298 Vista.

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One of 4 Previous (Sold) Boats:
2000 Four Winns 268 Vista

Current Boat: 2004 Chaparral 235 ssi cuddy

man i got a smoking deal going.

Allstate (packaged with vehicles & house so that might help)
$177 a year
16k coverage on the boat/hull
5k coverage on the motor
$500 deductible

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2006 Nissan Titan SE 6" Lift
2000 Four Winns 190 Horizon 5.0GL

All I know is that when bad wheather is approaching, I call my wife to make sure it is paid up.

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Current Boat: 2000 Four Winns 298 Vista
Previous Boat: 2000 Carver 406MY

$215 per year

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1996 4 Winns Horizon 170 SOLD
1997 4 Winns Sundowner 205 SOLD
2000 4 Winns Horizon 230 CURRENT
Tow Vehicle: 2007 Toyota Tundra Limited SOLD
1999 Chevy Tahoe 4x4 SOLD
2003 GMC Yukon XL 2500 6.0

I'm in Canada, so this might offer some interesting comparisons.

I just got my bill, so I have it in front of me.

2008 200SS, 300 HP, trailer included
agreed value of of $38,000 CDN (which is more than I paid for it, new)
trailer, nav and installed equipment (stereo), engine all included.
$1000 deductible on boat, $250 deductible on nav and equipment on shore.
*$2,000,000 liability and property damage insurance, including recovery of sunk boat

*This is something I thought was interesting. They will pay up to $2M to recover my boat if it sinks, including the clean up of environmental spills that result from submersing my gas and oil filled boat.

Anyway, the premium is $479 annually.

It is a watercraft specific policy, administered by NautiMax, underwritten by Aviva Elite Insurance.

I'd be interested in hearing what some of the other Canucks are paying on similar equipment.

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2008 H200SS
5.7 EFI Volvo Penta
Black graphics
2004 Toyota 4Runner

I have the same boat and have the same insurance company that you have and I'm in the same ball park as you.
I think that just having a 2M coverage on the boat sinking and cleanup is worth it.
Most other insurance groups don't cover that.

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2007 Four Winns H210 SS
1996 16' Lund (fishing boat)
2008 Ford Expedition Max Limited

"Pretty hard to compare policies without "apples to apples" " This is true, BUT no one has mentioned that rates "could" be different from state to state. In Mass, they just lifted about 2 years ago, a large portion of the state regulating the Ins. rates. They have gone down!!!

The same boat in Mass is most likely higher than in Ohio. I pay, $700 with Progressive on a 2007 Four Winns 258 with full coverage and a $500 deducable. On the other hand, Mass pays more (labor) than most states, are taxes & housing are higher than most.

Take Florida, cheap ins, housing, taxes and the pay is about 40% less for the same job in Mass.

281/year - agreed value

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2006 FW 203 FS
2005 Dodge Laramie 1500
2003 CRF 247F SuperMoto racer
2001 CBR1100XX

I just called NBOA for a quote. They (Traveler's) were significantly cheaper than what I have with BoatUS/CNA. However, the maximum coverages were also significantly lower, and in some cases unacceptably so. So I'll probably be sticking with CNA for now.

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

yes, that pretty much sums it up on boat insurance... If you buy a new boat, they will insure it for the price you paid... forever... you are free to call them and have them depreciate it to lower your premium.... if you buy used, they will by default insure the same boat for the price you paid for it... which will make your premium less than a guy thats owned the same boat forever... you can probably tell them to increase the value you want insured.... its your call...

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2007 FW Horizon 200 5.0GXi/SX-A

BoatUS - $225/yr for actual cash value policy - I havent had a claim, but service reviews are positive.

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