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I just renewed my insurance policy thru boat US and they only want to insure the hull for $4000 and the new outboard for what I paid for it. Anyone got a recomendation of a good insurance that company that will write an agreed upon value policy (exactly what my Boat US policy says it is).

thanks

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Can't make any promises, but try Progressive Insurance...

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Kamie, I will email you Larry Goltz's and his son Larry Jr's info. They great because they are both whaler owners and know how to insure a Whaler for it full Fair Market Value. Their prices are VERY responsible can write policies for all 50 states and they insure Whalers through Safeco.

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Thanks, I was hunting Larry's email and I seem to have lost it filed it where I can't find it.

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I would like that information as well. I didn't insure my baby last year because no one would write an old boat and old motor. Liability only....

Joshua

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Josh,

I will PM you the info as well.

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I'm pretty sure Hagerty will write older boats for market value as well if the other doesn't pan out.
Mike

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I put my boat with my home owners ins., w/ "State Farm", it's a good idea to have even a min. $9 month "Liability" contract on a row boat (just in case someone gets hurt).
mw

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Jeff , Could you send me that Insurance info to me ? I wonder if they cover this wonderful state of Massacusetts . Congrats on the Baby !! I use Boat US now .. Thanks Bob

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I also added my boats to my State Farm homeowners. It was way cheaper than boat insurance.

Rich

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Generally, you can add a boat to a Home policy if its under 20-25 ft and under 150 HP and under a certain speed, depending on the company. You can add it for Liabilty coverage and sometimes you can add some coverage for the hull and motor, usually limited to under $10K. A seperate boat policy usually includes coverage for towing, fuel spill, and many other coverage that the Home policy won't. Still adding a smaller boat to your Home policy is the best bang for the buck especially if age is a problem. The only majior drawback is having that exposure on your home policy. If you have a claim for the boat you are jeopardizing the whole policy. Which in Long Island or other coastal areas is a nightmare right now.
If you have a newer boat you should get a seperate policy in my opinion.

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I am covering the 13 under the home owners policy at least until it goes in the water, but for the 18 I need a boat policy. As I said, I believe the hull is worth more than 4k and while I would not say she is a 10, I think she in the 8-9 category even with the bottom paint still on her.
Bob, PM sent

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Kamie - I have a home/auto policy with Travelers (discounted b/c of both). When we purchased the new one I had to take out a separate policy because of the issues egerrity pointed out. For what I had to insure, the rate I recieved was very fair and I think it had a slight discount on it because I had the other two policies with them - might be worth checking with them.

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Make sure whatever company you use to ask for absolute clarification of the concept of damage from a submerged object. A lot of companies sell "boat insurance" policies that don't cover anything regarding striking a submerged object. A couple years ago, the water authority drained two feet of water from the St Lawrence in the fall. I didn't know this and went through an area I have been in a thousand times since childhood. I was in my Grady White with a new Honda 225 with less than 50 hours on it. Under these low water conditions, I hit bottom going through this place and literally dismembered the Honda. The entire lower unit wound up on the bottom of the river. The power head was still good, the main shaft was bent. Over $5,000 later I got my boat back, fully restored.
Take home lesson? BoatUS considered this striking a submerged object and paid out for the repair. I think I paid a $250 deductible. No, I am not a shill for the house, I imagine there are other companies with wording in their policies that cover such incidents, but I felt fortunate to have that insurance. My other boats have since been insured with them and for that very reason.
Just make sure you know how they handle this issue. Like anything else in the boating industry, insurance companies know that if you shine up a piece of !%@^, someone will buy it. Just make sure you understand what they intend to do for you when you hit something like this.
Grady

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Nationwide insured me for what I payed plus 1000 bucks... 190 /year

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I own a company that specializes in Marine Insurance Claims working for most of the major marine carriers. Boat US is, by far, the best carrier for insurance and service in the industry. Obtain an agreed value policy with Boat US and you should be set. Good luck.

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scharette,
Thanks for the info. I attempted to obtain an agreed value policy with BoatUS but their value and my value for my hull don't agree.

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Im not sure they are better than anyone else and so I have asked jeff to send me the info also, but I have the "total REplacement Value" for my Nantucket for a new one and similar engine through..TRAVELERS...they seem pretty good and CHEAP too:) Ill compare to Jeffs...