1. Use the full 4 digit year for everything you are asking your question about. Example: 1962, 1988, 2000, 2011
2. Include the correct name of your Whaler model. Example: Montauk 17, Montauk 170, Outrage 26, Outrage 260
3. Include the length when necessary. Example: 16, 17, 18, 20, 22
4. Do not post your email address anywhere on this site as it is already in your user profile.

Boat Insurance
Pete	#1  Posted on 01/07/07 - 4:55 PM
Member Posts: 79 Comments: 0 Joined: 12/27/06	Hello, How do you insure an old whaler where the book is much less than what the replacement cost is? I have a 84 montauk in excellent condition with a new kicker and my ins co wont insure past 3k. Pete
Tom W Clark	#2  Posted on 01/07/07 - 5:57 PM
Member Personal Page Posts: 4280 Comments: 7 Joined: 09/30/05	Pete, You shop around until you find an insurance company that will insure it for it is worth. There are lots of different policies out there and not all insurance companies are created equal. What you are looking for is an "Agreed Value" policy. I insure my Whaler with INAMAR, a boat specific insurance company. http://www.inamarmarine.com/ Edited by Tom W Clark on 01/07/07 - 6:06 PM
Pete	#3  Posted on 01/07/07 - 7:29 PM
Member Posts: 79 Comments: 0 Joined: 12/27/06	Thanks much for your help. Pete
Tom B	#4  Posted on 01/07/07 - 8:02 PM
Member Personal Page Posts: 60 Comments: 0 Joined: 09/10/06	State Farm did my 1983 without a single question. Made me email a picture of it to them was all they asked for.
stevendstock	#5  Posted on 01/08/07 - 2:17 PM
Member Personal Page Posts: 13 Comments: 2 Joined: 01/24/06	You have to make sure the value that is determined is fair market. An agreed amount and stated amount are 2 different numbers. You can insure it for 25k but if it is worth 15k, that is what you will get. Keep a handle on the depreciation or appreciation.
Pete	#6  Posted on 01/10/07 - 7:43 PM
Member Posts: 79 Comments: 0 Joined: 12/27/06	Thanks all .............. I got a couple quotes and Inamar was the easiest and best for greater liability and med coverage with a $500.00 ded on damage. A fair price. I'm happy. Pete
Jeff	#7  Posted on 01/12/07 - 9:16 AM
Member Posts: 1987 Comments: 34 Joined: 04/02/05	Most insurance companies will require a full survey by a licensed professional to insure a boat for more than it's blue book worth. That survey will need to include a fair market and replacement value for the boat. My best friends wife used to sell insurance and she helped me through this with my 22. I currently am using Safeco for my insurance. Edited by Jeff on 01/12/07 - 9:17 AM 1993 23' Walkaround Whaler Drive