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Old 09-18-2013
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Re: Best Boat Insurance Companies?

Ok so I just quoted Boats U.S.

My impression was perhaps that their insurance is better tailored to actual boat ownership. For example it's comforting to see the fuel spill coverage listed out as a main feature.

However I find my quote from them odd and was hoping people could comment.

Boating Liability - 300k
Fuel and other Spill - 854k
Medical payments - 1k (??)
Supplemental Family member payment - 25K
Uninsured boater protection - 300k
Commercial Towing - 250/500
Hull Coverage - 8k (purchase price)

So while it's great to have spill coverage what the hell do I need a 854k for? My boat has 15 gallons of diesel...on the other hand it only offers 1k in medical payments per person per incident??

Medical is my big fear. Am I missing something?

In relation to some other discussion I don't see need for a survey (EDIT: They ask for a self survey question and pictures) but they limited the coverage to the purchase price although I put in a higher value (I'd like to think I've added some value)

The premium is $457/year

Last edited by asdf38; 09-18-2013 at 09:30 PM.
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