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Kingmann



Joined: 22 Nov 2016
Posts: 12
City/Region: Kettle Falls
State or Province: WA
C-Dory Year: 2000
C-Dory Model: 22 Cruiser
Vessel Name: Eva
PostPosted: Sun Jul 08, 2018 9:58 am    Post subject: Boat insurance Reply with quote

I am shopping for boat insurance as I am not happy with my current policy. Any input welcome.
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thataway



Joined: 02 Nov 2003
Posts: 15948
City/Region: Pensacola
State or Province: FL
C-Dory Year: 2007
C-Dory Model: 25 Cruiser
Vessel Name: thataway
Photos: Thataway
PostPosted: Sun Jul 08, 2018 10:36 am    Post subject: Reply with quote

I have been using Progressive, thru International marine insurance. Only had one claim in about 20 years--and that was handled fairly and quickly (Damage to I /O drive by hurricane debris). I had not even thought of an insurance claim, and my mechanic suggested we call the adjustor. I did, and he came promptly, paid for a new I / O lower leg, with deductible.

For all other insurance I use USAA, but they do no insure boats at this time.

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Thataway
Thataway (Ex Seaweed) 2007 25 C Dory May 2018
Thisaway 2006 22' CDory November 2011 to May 2018
Caracal 18 140 Suzuki 2007 to present
Thataway TomCat 255 150 Suzukis June 2006 thru August 2011
C Pelican; 1992, 22 Cruiser, 2002 thru 2006
Frequent Sea; 2003 C D 25, 2007 thru 2009
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Home port: Pensacola FL
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gary f



Joined: 16 Jul 2017
Posts: 21
City/Region: Monmouth, Or.
State or Province: OR
C-Dory Year: 2018
C-Dory Model: 23 Venture
Vessel Name: DayBreak
Photos: DayBreak
PostPosted: Sun Jul 08, 2018 10:50 am    Post subject: Reply with quote

We are pleased with Geico Marine for the insurance on our boat, trailer and motor. We have had excellent service from them on our Geico Auto policy and trust that their Marine division will be the same.
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spuncopper



Joined: 02 Sep 2012
Posts: 167
City/Region: Camden/ Lake Wateree
State or Province: SC
C-Dory Year: 2007
C-Dory Model: 16 Cruiser
Vessel Name: Sock Monkey
Photos: Sock Monkey
PostPosted: Sun Jul 08, 2018 11:13 am    Post subject: boat insurance Reply with quote

I too am with Progressive via it's association with USAA.
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ssobol



Joined: 27 Oct 2012
Posts: 1318
City/Region: Leesburg
State or Province: VA
C-Dory Year: 2008
C-Dory Model: 22 Cruiser
Vessel Name: SoBELLE
Photos: SoBelle
PostPosted: Sun Jul 08, 2018 1:09 pm    Post subject: Reply with quote

I have Progressive. Previously, I had a pretty new RIB that came off the trailer on the highway. Progressive paid me the full price of the boat, motor, and trailer including all the taxes and fees I paid to register the boat. The only problem was they kept calling me because I wasn't picking up the check fast enough.

They also do my house and cars.
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bschell



Joined: 05 Jan 2008
Posts: 47
City/Region: tustin
State or Province: CA
C-Dory Year: 2003
C-Dory Model: 22 Cruiser
Photos: bschell 2003 22 Cuiser
PostPosted: Sun Jul 08, 2018 3:29 pm    Post subject: Reply with quote

Kingmann, I have had US Boats, Progressive and Geico. While they make it simple and you think your getting a fair price? I decided to give American Marine Insurance a shot
(glenn@americanmarineinsurance.com) man was I surprised? Glenn was all over it, better coverage and way less money.
I have a new boat ready for coverage in three weeks, I am going with him. I got his info out of a Pacific Coast Sportfishing mag. This is not my first rodeo...

Good Hunting
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Foggy



Joined: 01 Aug 2013
Posts: 934
City/Region: Traverse City; Northern Lake Michigan
State or Province: MI
C-Dory Year: 2014
C-Dory Model: 26 Venture
Photos: W B Nod
PostPosted: Mon Jul 09, 2018 5:49 am    Post subject: Reply with quote

Progressive.

Aye.

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Ordutch1975



Joined: 06 Jun 2017
Posts: 248
City/Region: Portland
State or Province: OR
C-Dory Year: 2018
C-Dory Model: 23 Venture
Vessel Name: PennyBridge
Photos: PennyBridge
PostPosted: Mon Jul 09, 2018 7:56 am    Post subject: Reply with quote

Progressive includes towing service - Geico reimburses up to x dollars unless you opt for more. I swapped to progressive for this reason. Also talk to your insurance company as they will often cover up to X value with geico I had to fight them to give me a higher valuation / replacement value on my old boat. Had to jump through all sort of hoops.

(Geico has tow service/partner in other states but not up here on Columbia)

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Discovery



Joined: 08 Dec 2003
Posts: 1125
City/Region: LOA, UTAH
State or Province: UT
C-Dory Year: 2006
C-Dory Model: 255 Tomcat
Vessel Name: Discovery
Photos: Discovery
PostPosted: Mon Jul 09, 2018 8:30 am    Post subject: Reply with quote

14 years with Progressive on boats. I don't have an agent, I just call directly to buy or make changes. I also have RV coverage with Progressive.
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Brent and Dixie,
1984 22' Classic sold 2003
2003 24' TomCat sold 2005
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PaulNBriannaLynn



Joined: 26 Oct 2012
Posts: 524
City/Region: Kilkenny
State or Province: GA
C-Dory Year: 2007
C-Dory Model: 22 Cruiser
Vessel Name: TBD
Photos: Lorelei
PostPosted: Mon Jul 09, 2018 9:08 am    Post subject: Reply with quote

United marine underwriters is what we use. Never had a claim so I cant comment on that but they're rates are good.
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thataway



Joined: 02 Nov 2003
Posts: 15948
City/Region: Pensacola
State or Province: FL
C-Dory Year: 2007
C-Dory Model: 25 Cruiser
Vessel Name: thataway
Photos: Thataway
PostPosted: Mon Jul 09, 2018 12:06 pm    Post subject: Reply with quote

One important feature to insist on, is "agree value". This should be the real value of the boat--what it will cost to replace, including accessories and electronics. For example when I put new electronics etc on the boat, it increases the replacement cost. I call my agent, tell why and they will increase the value.

I never will understand why people insure the boat for a fraction of value, thinking that nothing will every happen to them which will cost more than XX dollars. Insurance is for the unthinkable. This brings to mind the several sailboats whose loss was discussed in another thread. At least one of them was insured for only 1/3 of the value. Also in that case, the owner had gone was a less than well known insurance company which went out of business, because of a high number of claims. I remember this, because Seven Seas Cruising Association when I was on the Board of Directors was always looking for "Affordable" long distance cruising insurance....a good policy is expensive, for very good reasons!
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localboy



Joined: 30 Sep 2006
Posts: 3990
City/Region: Lake Stevens via Honolulu
State or Province: WA
C-Dory Year: 2007
C-Dory Model: 25 Cruiser
Vessel Name: 'Au Kai (Ocean Traveler)
Photos: 'AU KAI
PostPosted: Mon Jul 09, 2018 12:31 pm    Post subject: Reply with quote

We also have Progressive. I have never made a claim. They send us an electronic notice and we pay it electronically and print our proof. Easy peezy. And the price is reasonable compared to a few others I called.
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Foggy



Joined: 01 Aug 2013
Posts: 934
City/Region: Traverse City; Northern Lake Michigan
State or Province: MI
C-Dory Year: 2014
C-Dory Model: 26 Venture
Photos: W B Nod
PostPosted: Mon Jul 09, 2018 12:57 pm    Post subject: Reply with quote

Buying and selling insurance is sort of like gambling.

You are betting you will have a claim, need funds from the insurance
carrier to recover your property and so pay the premium.

The insurance company is betting you, and many others, will not have
a claim so they can keep your premium.

Guess who wins most of the time?

Aye.
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TyBoo



Joined: 23 Oct 2003
Posts: 4890
City/Region: Warrenton
State or Province: OR
C-Dory Year: 1996
C-Dory Model: 25 Cruise Ship
Vessel Name: TyBoo
Photos: TyBoo
PostPosted: Mon Jul 09, 2018 1:26 pm    Post subject: Reply with quote

I had Progressive for 17 years with no claims. For the first ten years the rates dropped a few dollars each year. Then they went up a few for a couple years. Then they raised them by 50% for some reason.

This year Iím using Farmers. They have my home and autos too so if a loss occurs on the highway there should not be any conflict about who covers what.

Farmers quoted $369 annual, about twenty bucks less than Progressive. Thatís for $300k liability, the Marina noted on the policy per their rules, $50k agreed value for the boat, and $2500 for the trailer. Electronics are in there too for some amount and towing up to $750.

If I ever need the insurance and they pay like they did when my old Ford truck burned up Iíll be happy.

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1996 25' Cruise Ship
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SENSEI



Joined: 31 Oct 2003
Posts: 1007
City/Region: Stanwood
State or Province: WA
C-Dory Year: 1995
C-Dory Model: 22 Angler
Vessel Name: SENSEI
Photos: SENSEI and SERENITY
PostPosted: Mon Jul 09, 2018 4:24 pm    Post subject: Reply with quote

we also use farmers. they have been good to us
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