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re: Does everyone carry insurance on their boats...?
Posted on 1/28/15 at 11:23 am to AlxTgr
Posted on 1/28/15 at 11:23 am to AlxTgr
Had a 17 Nitro insured with Allstate... Claimed a small gellcoat damage when I hit a piece of concrete at the launch, cost about $300 to fix.. had to fight tooth and nail to get $50 from Allstate... 
0
Posted on 1/28/15 at 12:36 pm to Chad504boy
quote:
all about that liability son.
This.
Yes, never had to file a claim but it certainly gives peace of mind to have it.
Posted on 1/28/15 at 12:42 pm to stewie
i have coverage through Geico. Premium is $327 for the year and is paid in the 1st 4 month of the year.
Posted on 1/28/15 at 12:54 pm to SeaPickle
$327 I a lot per year for a boat....geesh.
Posted on 1/28/15 at 12:55 pm to OleBallCoach
quote:where do u live?
OleBallCoach
Posted on 1/28/15 at 12:57 pm to Chad504boy
Calcasieu Parish
Posted on 1/28/15 at 1:13 pm to Hangover Haven
I carry liability only on mine. If you finance a boat they will more than likely make you carry comprehensive coverage. I bought used and paid cash but i did inquire about comp coverage and the thought of paying $1700/yr on a 16 year old hull was not appealing. Liability only is just $130/yr.
Posted on 1/28/15 at 1:15 pm to bayoudude
quote:that's why you don't get quotes from where you bought the boat.
$1700/yr on a 16 year old hull
Posted on 1/28/15 at 1:16 pm to Chad504boy
Bought the boat out of state the quote was from my local allstate agent that i have all my policies through. Also the boat in question is 27' with twin engines.
Posted on 1/28/15 at 1:17 pm to OleBallCoach
quote:
24' boat with a 150hp costs me $76 a year
14' flat with a 40hp cost me $56 a year
500 Honda 4 wheeler cost me $24 a year
these kind of annual numbers are hard to believe. you sure its not 6 month policies?
Posted on 1/28/15 at 1:21 pm to bayoudude
may not be too far off from reasonable considering you down in houma..
Posted on 1/28/15 at 1:24 pm to Chad504boy
Positive....I'm a frugal old fkr....I know exactly how much leaves my pocket...lol
Posted on 1/28/15 at 1:39 pm to SeaPickle
quote:
have coverage through Geico. Premium is $327 for the year
i have the same boat and mine is the same but thru progressive...thats not high man..i wish my truck was that cheap for a year
Posted on 1/28/15 at 1:55 pm to Hangover Haven
my boat is 15 years old and i paid about 30k for the whole rig...but i keep insurance on it, small liability policy and declared value for theft
the policy is only about $50/mo
the policy is only about $50/mo
Posted on 1/28/15 at 2:33 pm to Hangover Haven
Just went from a 20 year old Sprint to a new aluminum ranger. Didn't carry insurance on the Sprint but I will on the ranger, $40 month
This post was edited on 1/28/15 at 2:36 pm
Posted on 1/28/15 at 4:46 pm to Hangover Haven
$300k liab only - $75/yr
Posted on 1/28/15 at 5:30 pm to Hangover Haven
quote:
but flat boats, is it a must.
I think it's only 190$ a year for the little boat, it covers some liability, theft, electronics, wrecks and towing so I can't see a reason not to have it. Oh yeah, 'canes too.
Posted on 1/28/15 at 8:21 pm to Slickback
quote:
$300k liab only - $75/yr
What do you do if someone hits your boat when you are trailering your boat or hit something and put a hole in it?
If I'm thinking of this right, liability only covers you if you mess up someone else's stuff?
This post was edited on 1/28/15 at 8:22 pm
Posted on 1/28/15 at 8:24 pm to WHODAT514
WHODAT514
It's not "high" because I'm covered pretty well but I wouldn't want it too much higher. My Premium actually just went up about $20.
Did you get my text with the boat pictures last night?
It's not "high" because I'm covered pretty well but I wouldn't want it too much higher. My Premium actually just went up about $20.
Did you get my text with the boat pictures last night?
Posted on 1/28/15 at 8:28 pm to SeaPickle
Yea I have great coverage as well. I don't mind paying it. And yes I did i see exactly what you did I'll get back with you about it
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