What about insurance??? - SailNet Community

   Search Sailnet:

 forums  store  


Quick Menu
Forums           
Articles          
Galleries        
Boat Reviews  
Classifieds     
Search SailNet 
Boat Search (new)

Shop the
SailNet Store
Anchor Locker
Boatbuilding & Repair
Charts
Clothing
Electrical
Electronics
Engine
Hatches and Portlights
Interior And Galley
Maintenance
Marine Electronics
Navigation
Other Items
Plumbing and Pumps
Rigging
Safety
Sailing Hardware
Trailer & Watersports
Clearance Items

Advertise Here






Go Back   SailNet Community > On Board > Boat Review and Purchase Forum
 Not a Member? 


Reply
 
LinkBack Thread Tools
  #1  
Old 01-24-2008
Junior Member
 
Join Date: Aug 2001
Posts: 20
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
firemanbob is on a distinguished road
What about insurance???

I used to get on this forum a few years back... I hope it is still good for some good Info. Where in the world can I buy just liaibility ins. I dont need complete coverage but I have to have liaibility.. HELP, I'm going nuts! P.S. I live aboard in Daytona. I need to insure a 37' Endeavour. also I have full coverage and its through the roof..Around $ 4,000 a year,ALL AT ONCE!!! firemanbob
Reply With Quote Share with Facebook
  #2  
Old 01-24-2008
CharlieCobra's Avatar
On the hard
 
Join Date: May 2006
Location: Bellingham, WA.
Posts: 3,503
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 10
CharlieCobra has a spectacular aura about CharlieCobra has a spectacular aura about
I just bought a 100/300/100 Liability policy on a wooden 1961 sailing yacht today with no survey. It was under $400 per yr and was from Progressive.
Reply With Quote Share with Facebook
  #3  
Old 01-24-2008
Slipkiller2's Avatar
I can't reMember
 
Join Date: Aug 2007
Posts: 68
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 7
Slipkiller2 is on a distinguished road
Have you tried contacting the usual insurance companies i.e. State Farm, Allstate etc. Although I have a Home Owners policy, I got a $1 million umbrella policy for only a few hundred $’s per year.
Reply With Quote Share with Facebook
  #4  
Old 01-24-2008
artbyjody's Avatar
Senior Member
 
Join Date: Jan 2008
Location: Bellingham, PNW
Posts: 3,146
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 10
artbyjody is just really nice artbyjody is just really nice artbyjody is just really nice artbyjody is just really nice
I went through alot of issues for insurance when I tried to do mine...Contacted a local insurance rep, then went online and tried to do it (research right) ...well when I was contacted by the local insurance rep, they stated that they couldn't get a quote as I was already in the system and asked me "did you try and get a quote online - that is why"..

I ended up using BoatUS.com's insurance....290 a year (and it was cheaper than any other quote)...
__________________
-- Jody

S/V "
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
" -
1983, Barberis Show 38! or
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.



To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.







Reply With Quote Share with Facebook
  #5  
Old 01-24-2008
LarryandSusanMacDonald's Avatar
SaltwaterSuzi/CapnLarry
 
Join Date: Apr 2005
Location: Permanent Vacation
Posts: 600
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 10
LarryandSusanMacDonald will become famous soon enough
For what it's worth - my wife is an insurance agent. She tells me that to get hull insurance on a boat over 30 years old is difficult. Also, if you're a live-aboard - look at contents insurance if you have valuables - computers stereos, cameras, jewelry, etc. We saved quite a bit on insurance because we both had taken boating courses through U.S. Power Squadron.


Cap'n Larry and Saltwater Suzi
Reply With Quote Share with Facebook
  #6  
Old 01-24-2008
soulesailor's Avatar
blue collar cruiser
 
Join Date: Nov 2007
Location: Casco Bay, Maine
Posts: 370
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 7
soulesailor is on a distinguished road
I got my insurance policy through State Farm, the same company I use to insure my vehicle. They wanted to see a survey just to have some verification of the boat's worth. I showed them the survey from the purchase and they were fine with it.
__________________

who is staring at the sea is already sailing a little
Reply With Quote Share with Facebook
  #7  
Old 01-25-2008
Valiente's Avatar
Senior Member
 
Join Date: Jun 2006
Location: Toronto
Posts: 5,491
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 10
Valiente has a spectacular aura about Valiente has a spectacular aura about
Generally, there are two types of boat surveys, Insurance and Purchase. Insurance is the one that says "the boat will neither burn on land nor sink in water, or it won't if you get these problems fixed or brought up to current code". Purchase surveys look at the whole package and provide a basis on which to negotiate price breaks or compromises. Generally, insurers don't care about dirty hulls and crusty halyards!

I found that insuring my 35 year old boat as a rider on my house insurance was $600/year, while going with a "yacht insurer" dropped it to less than $400, and it hasn't budged a penny in seven years. I have issued the firm insurance surveys every five or six seasons, along with annotations indicating where I had made improvements or fixed old problems.

Note that customarily, it is things like your Zodiac or outboard that gets stolen, or your gear should the boat be robbed. Total loss of the boat is relatively rare, and I would say more boats are destroyed in winter layup via yard fires or hurricanes than at sea...so take your stuff off the boat.

I have power tools on board mine right now, but that's not usually the case. Most of my electronics are at home.
Reply With Quote Share with Facebook
  #8  
Old 01-25-2008
wduncan50's Avatar
Member
 
Join Date: Aug 2007
Location: Orlando, FL
Posts: 46
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
wduncan50 is on a distinguished road
Just closed on a 1981 39' Gulfstar Sailmaster and used Mariners Insurance:
Alicia Redfoot,Agent
Mariners General Insurance Group
417 12th Street West, Suite 107
Bradenton, FL 34205
Ph: 1-800-914-9928
941-708-5018
Fx: 941-708-7026
aredfoot @ marinersinsurance . com

They used Markel American Insurance Co.

Much cheaper than everyone else (especially BoatUS) with better coverage.

We are paying $1906.88 a year full coverage.

By the way we are keeping our boat in Halifax Harbor, Daytona Beach, FL.
Reply With Quote Share with Facebook
  #9  
Old 01-25-2008
swadiver's Avatar
Senior Member
 
Join Date: Jan 2007
Location: Alta Loma, Ca.
Posts: 122
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 8
swadiver is on a distinguished road
I have insurance for my 30' Catalina with BoatUS (www.boatus.com). A current survey was required.
__________________
Scott

Long Beach, Ca.
s/v Namaste - 86 Catalina 30 , Tall Rig


The optimist expects the wind. The pessimist complains about the wind. The realist adjusts the sails.
Reply With Quote Share with Facebook
  #10  
Old 01-25-2008
chucklesR's Avatar
Senior Member
 
Join Date: Sep 2007
Location: Pasadena Md - Magothy side
Posts: 5,938
Thanks: 9
Thanked 29 Times in 29 Posts
Rep Power: 9
chucklesR is a jewel in the rough chucklesR is a jewel in the rough chucklesR is a jewel in the rough
Gieco won't cover boats over 30, even as part of an umbrella plan.
Reply With Quote Share with Facebook
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

 
Posting Rules
You may post new threads
You may post replies
You may post attachments
You may edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Boat Insurance DonQuijotedelMar General Discussion (sailing related) 1 11-20-2010 01:37 PM
Perils of a Pleasure Boat Insurance in Spain DonQuijotedelMar General Discussion (sailing related) 10 07-24-2007 10:05 PM
Perils of a Pleasure Boat Insurance. DonQuijotedelMar General Discussion (sailing related) 4 07-12-2007 11:03 PM
Pleasure boat insurance in Spain DonQuijotedelMar General Discussion (sailing related) 0 07-07-2006 03:56 PM
The Right Insurer and the Best Policy Michael J Smith Cruising Articles 0 06-03-1999 08:00 PM


All times are GMT -4. The time now is 07:16 AM.

Add to My Yahoo!         
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
SEO by vBSEO 3.6.1
(c) Marine.com LLC 2000-2012