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Bill80132



Joined: 16 Sep 2022
Posts: 2
City/Region: Monument
State or Province: CO
PostPosted: Mon Oct 03, 2022 4:03 pm    Post subject: Cruiser Insurance Reply with quote

Hello, I am new here and I currently am in the process of purchasing a 22 foot C-Dory Cruiser. So, I have been shopping for insurance. I called the United Marine Underwriters and the nice lady told me that they do not insure boat owners that don't have a home port and a specified area that they boat in. I live in Colorado, but I do not plan to bring a boat here. I would be using the boat primarily in Florida and the intercostal water ways - or at least that is my goal. Thanks in advance for any help.
Bill

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Hoping to buy a 25 or 26 ft C-Dory
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ssobol



Joined: 27 Oct 2012
Posts: 3090
City/Region: SW Michigan
State or Province: MI
C-Dory Year: 2008
C-Dory Model: 22 Cruiser
Vessel Name: SoBELLE
Photos: SoBelle
PostPosted: Mon Oct 03, 2022 4:51 pm    Post subject: Re: Cruiser Insurance Reply with quote

Bill80132 wrote:
Hello, I am new here and I currently am in the process of purchasing a 22 foot C-Dory Cruiser. So, I have been shopping for insurance. I called the United Marine Underwriters and the nice lady told me that they do not insure boat owners that don't have a home port and a specified area that they boat in. I live in Colorado, but I do not plan to bring a boat here. I would be using the boat primarily in Florida and the intercostal water ways - or at least that is my goal. Thanks in advance for any help.
Bill


I use Progressive. I donít recall having that sort of discussion with them. But you will be keeping the boat somewhere. Iíd give them that location as the home port. Otherwise tell them Florida.
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thataway



Joined: 02 Nov 2003
Posts: 20145
City/Region: Pensacola
State or Province: FL
C-Dory Year: 2007
C-Dory Model: 25 Cruiser
Vessel Name: thataway
Photos: Thataway
PostPosted: Mon Oct 03, 2022 5:15 pm    Post subject: Reply with quote

Florida can be an issue, because of the hurricanes (IE Ian), where maybe thousands of boats are damaged. You have to have a "hurricane plan"--ours is to transport the boat inland in case of a named storm.

How is the boat going to be stored in Florida? Our policy allowed all waters of the US and Canada, within 50 miles of shore. We use a large insurance brokerage which specializes in boats.

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Bob Austin
Thataway
Thataway (Ex Seaweed) 2007 25 C Dory May 2018 to Oct. 2021
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
KA6PKB
Home port: Pensacola FL
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Bill80132



Joined: 16 Sep 2022
Posts: 2
City/Region: Monument
State or Province: CO
PostPosted: Mon Oct 03, 2022 9:04 pm    Post subject: Reply with quote

Thank you for your responses! I am now talking with the insurance carrier for my home and autos and they do not seem as concerned as United Marine Underwriters.
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