www.iFourWinns.com

When we purchased in July Boat US was a LOT more than SF was....

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

How can that be. Insurance companies rates don't fluctuate that in a short period of time. What changed?

The only thing I can think of is NBOA asked what they lay up period would be, I don't recall if Boat US did or not.

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

In this part of the country, winter lay up is a given , and all good insurance companies know it.

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

Current Boat: 2004 Chaparral 235 ssi cuddy

what/who is NBOA? phone number? website?

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2006 348 Vista
"some days you're the bug and some days you're the windshield"

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

Actually it's http://www.nboat.com

I just tried to use their website and after 10 minutes of filling out web forms it threw an error. Grrrr....

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-Bill Kearney, 2005 348 Vista

I pay $323.00/ year with a $500.00 deductible.

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1998 Baja Boss 252 7.4L MPI Bravo 1 (SOLD)
2007 FW H200SS 5.0GXI (Sold)
2004 Chevy Silverado 2500 Crew 6.0L (tow vehicle)
1991 FW 170 Freedom 4.3L (SOLD)

We are going through this right now:

Here in Southwest Florida here are a few rates
AAA = $1164
Boat US = $1254
American Modern Ins. Group ( found by local Allstate agent ) =$1140
Progressive = $1140 ( with auto policies)
standard1% ded. /
Nationwide cancelled our homeowners policy so we are changing all insurance away from them. Our home survived Hurricane Charlie with no claims.

As a side note, our dock is covered for $48K on our present homeowner policy with AAA.

9BALL

These quotes are for a 2005 V268

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2005 V268

I went with Global Marine, $721, 1% deductible for my 338V

For the guy checking FL. My numbers for a 2007 288 are,
Boat U.S.
Year rate $1,139
Towing $500
Deductable $2,520
And I only insured the boat for 63K.
My cruising range is South Eastern United States and does not include the Bahamas. Add $100 for the Bahamas--which I will do this summer. The insurance policy goes down 10% every year you don't have a claim.

I did double all the standard coverage for my boat hurting someone else’s, or someone getting hurt on/by my boat. It was a nominal monetary increase to double these coverages.

I also rack store my boat when not in use. The marina I store my boat is recognized in the Boat US Hurricane Club--which basically says they know how to dry store boats during a hurricane ultimately preserving the boat and minimizing damage.

As you can see I do take alot risk with the deductable and not insuring the Full value of the boat. I am betting on myself to keep the boat out of harm’s way (knock on wood)...The insurance companies prefer you bet against yourself...ie..Lower deductable, 100% value. I hope this helps--by the way if anybody see's anything out there better in South FL, please let me know.

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PANACEA
2007 V288
Twin VP 5.0GXi/Sx
5K Kohler

Damn you FL guys get screwed! Even if I doubled my rate for my 338 with 1K deductible full value I'm less then your 288

My measily little 2003 Horizon 220 costs me $190.00/yr with a $250 decuctible

I have The Travelers for the boat policy only.

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2003 Four Winns Horizon 220 5.0 GXi/SX

Great thread, just fired of quote requests to NBOA and Global Marine.

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Michael Bova


"Swept Aweigh"
2003 Four Winns 328 Vista

Previous Boat
2003 Crownline 230CCR