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Boat Insurance Recs
Posted on 5/3/21 at 9:07 am
Posted on 5/3/21 at 9:07 am
Looking at buying a used ski boat (2004) and shopping around for insurance quotes. Boat price is $23000. I have Geico auto insurance and looked at a bundle with BoatUS but it came back $1300/year which seems really high to me. That’s with an agreed value coverage and $100k liability. Anyone have any recommendations on what coverages to look at or experience with insurers? I grew up on ski boats, but never owned one so this is new to me. Thanks guys.
17
Posted on 5/3/21 at 9:11 am to tap011
Find you an independent agent and have them provide you with 3 or 4 quotes.
Posted on 5/3/21 at 9:25 am to tap011
Geico/boatUS
Posted on 5/3/21 at 9:26 am to tap011
I've never had boat insurance, but my boat is only worth about $9000.
I've always had $5000 aluminum boats before that with no insurance.
Am I missing something here?
I've always had $5000 aluminum boats before that with no insurance.
Am I missing something here?
Posted on 5/3/21 at 9:30 am to Shexter
If you get a loan or use storage you probably will be required to have insurance.
Posted on 5/3/21 at 9:43 am to ColonelRed
Progressive. Agreed to value, I pay about $700/yr on a Pathfinder.
Posted on 5/3/21 at 9:44 am to tap011
The 1,300 sounds a bit high but it depends.
Note where it’s kept. Anywhere on or near a tidal or windstorm area will likely cost more.
Try progressive
Note where it’s kept. Anywhere on or near a tidal or windstorm area will likely cost more.
Try progressive
Posted on 5/3/21 at 9:45 am to Shexter
quote:Liability coverage. And uninsured boater coverage since most people that buy used boats don’t have boat insurance unless they took out a loan.
I've never had boat insurance, but my boat is only worth about $9000.
I've always had $5000 aluminum boats before that with no insurance.
Am I missing something here?
Posted on 5/3/21 at 9:49 am to SlidellCajun
quote:Also depends on top speed. A $60k bass boat is going to cost more to insure than a $60k bay boat because that bay boat probably only goes 35-40 mph but that bass boat is built to run 70. Not as familiar with ski boat speeds
The 1,300 sounds a bit high but it depends.
Note where it’s kept. Anywhere on or near a tidal or windstorm area will likely cost more.
Agree, try Progressive. Also Safeco
Posted on 5/3/21 at 9:56 am to Tiger Prawn
True. Speed is an issue as well as size.
Posted on 5/3/21 at 10:01 am to tap011
I use sea insure through sea tow. 45k agreed value, 900$ deductible, 300k in liability and 1 million in fuel spill liability. I think it’s a little over 700$ per year. Also get a discount on seatow membership for first year. 22’ bay boat with 200hp for reference
This post was edited on 5/3/21 at 10:02 am
Posted on 5/3/21 at 10:02 am to tap011
Progressive. Agreed value of 25k, 5k for equipment, plus medical coverage. 22/month. My home and vehicles are through them also though.
Posted on 5/3/21 at 10:05 am to tap011
Progressive Insurance, been great for me to date, even with claims:
$35K agreed amount on CC boat value, comprehensive and liability, fishing equipment, electronics, etc.
$100K/person & $300K/accident, uninsured boater too about $750/yr
$35K agreed amount on CC boat value, comprehensive and liability, fishing equipment, electronics, etc.
$100K/person & $300K/accident, uninsured boater too about $750/yr
Posted on 5/3/21 at 10:16 am to Redlos
That same policy with progressive starting new is about $1400/year. I’m guessing rates are just high now like everything else. Still shopping around but I’m not really finding anything I trust for less than $1000/year
Posted on 5/3/21 at 10:20 am to tap011
Progressive, after quoting them all was easily best for me.
Posted on 5/3/21 at 10:23 am to tap011
Give Ski Safe a try. I have a policy similar to what you state and it was $450 with them.
Posted on 5/3/21 at 11:03 am to tap011
Consensus seems to be Progressive.
Progressive here as well.
Progressive (not bundled)
$40/mo
Agreed value ($40k)
500k Liability
500k Uninsured
1k Medical Payment/ person
1k Deductible
2k personal items
Progressive here as well.
Progressive (not bundled)
$40/mo
Agreed value ($40k)
500k Liability
500k Uninsured
1k Medical Payment/ person
1k Deductible
2k personal items
Posted on 5/3/21 at 11:07 am to PHNBK
SkiSafe has the best rates from what I can find. $500-$700/year, 100k liability, 1k deductible. I saw them recommended on some Mastercraft forums, and saw one negative post about a claim, so I was unsure myself. Thanks for recommending. This may be the route I go.
Don’t know how y’all have such low rates with Progressive
Don’t know how y’all have such low rates with Progressive
Posted on 5/3/21 at 11:18 am to ColonelRed
I 2nd Foremost. I use Kendall LaGrange at Veillon insurance
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