Got Insurance?

[SeaDivot]

Hi all,
I just left my first thread on the "who's who" forum introducing myself as another newbie, having just purchased a used 280DA; but then I thought I should appeal to a broader audience with a couple of questions.
Anyone have a recommendation for a solid insurance vendor? Or is BoatUS universally preferred?
Anyone familiar with the SeaRay Legacy (extended marine protection plan)?:huh:

 

[wileecoyote]

NBOA www.nboat.com gives Sea Ray owners a discount. The cost for me was cheaper with Boat US, according to NBOA it was due to the age of my boat. I'd try them. Also use the search function. I knew there was a thread here about insurance in the past year. Here it is, READ THIS

 

[Al Gross]

I use "Charter Lakes". I've used NBOA and Boat US in the past and Charter Lakes is cheapest, with the most coverage for the money. Their URL follows: http://www.charterlakes.com/

I've recommended Charter Lakes to many on my dock and, after research, most have switched for the reasons that I've highlighted above.

Good Luck

 

[SeaDivot]

Much thanks, WileeCoyote and Al Gross! I'll let you know how I fare.

 

[mooney]

I've had great results with Sea Tows "Sea Insure" .In June we got nailed by a noreaster and it somehow put a 2ft rip in my bimini . w/in a week got check for $1050 ,my canvas guy replaced all the canvas.Then in Sept I happened to run aground (dont ask)..coupler went ,got $2900 to pull engine and do work .

 

[Hampton]

Progressive is worth a look. I use them.

 

[sbw1]

Our Sea Ray was damaged by a careless boater who ran into it when we were tied up in a slip in Northern Lower Michigan. He was in a beat up 39 foot SR that was filthy and had a bunch of low class looking passengers. We figured that we would have to eat the loss based upon first impressions. His insurance was with Boat US. They did a fantastic job of handling the claim. I had our boat repaired by the local SR dealer which did a very good job and turned the claim into his company with a copy of the police report and USCG report. Got a check for $2,000+ for the work within 2 weeks. We could not have been happier. In speaking with the company rep I learned they planned to require a survey of his vessel prior to issuing a renewal for his boat. My guess is he got dropped.

While we use a different company, Boat US did a fine job in my experience. Just as important as boat insurance is liability coverage. If it's warranted, you should consider a million dollar+ umbrella policy since most liability limits on generic boat policies are quite low.

 

[Chris R]

State Farm on everything. Disclaimer: My wife and I both work for State Farm. So does my wife's sister, brother, and brother in law. My dad is retired from SF. Thus, we are obviously biased.

 

[Tonka Boater]

NBOA www.nboat.com gives Sea Ray owners a discount. The cost for me was cheaper with Boat US, according to NBOA it was due to the age of my boat. I'd try them. Also use the search function. I knew there was a thread here about insurance in the past year. Here it is, READ THIS

+1 :thumbsup: -- I had Progressive last year and switched to NBOA this year. They were a lot cheaper in my case.
.

 

[badbird]

I use Safeco. I was suprised when I bought my 1st boat this season that a lot of people local do not even have insurance on their boats

 

[SeaDivot]

State Farm on everything. Disclaimer: My wife and I both work for State Farm. So does my wife's sister, brother, and brother in law. My dad is retired from SF. Thus, we are obviously biased.

Hey Chris,
Since I have home, cars, etc with State Farm, I'll give then a look. Didn't even think of it.
Greg

 

[SeaDivot]

Much thanks, WileeCoyote and Al Gross! I'll let you know how I fare.

Hey guys,
After getting 4 insurance quotes for my 280DA, I'm ending up w/ State Farm who happens to carry my homes and cars. Quote was 60% of BoatUS, Charter and NBOA for same coverage. Guess I'll find out if I did the right thing the first time I need to make a claim (?). Thanks for the input.
Greg

 

[fwebster]

Did you get an all risk agreed value policy or boat insurance? There is a huge difference and that may explain the price differential.

 

[SeaDivot]

Hi Frank,
It is an all risk agreed value policy - apples to apples.
___________
Greg

 

[Chris R]

Hey Chris,
Since I have home, cars, etc with State Farm, I'll give then a look. Didn't even think of it.
Greg

Excellent!