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  #11  
Old 09-18-2008
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Yes would depend on area and value of boat for sure. Up north you dont have the Hurricane threat nearly as bad as in Fla. That is the main issue, especially the last few years.
Jay can I ask what years the two boats you mention are? cause yours being 36 would be in the range I am thinking.
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Old 10-09-2008
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Wow I'm sorry, I must have fallen asleep. I have a 1974 Morgan O/I C/C #66. I payed $20,000.00 for her and I insured it for #30,000.00. The CSY costs about $145,000.00 built in 1989.
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Old 10-09-2008
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I received a quote of approx $3000 a year for $180,000 coverage (we mentioned we would be living aboard) (also includes up to 10% for dinghy and motor) for a Morgan 45. This was on the assumption we were full time cruisers that were outside the "hurricane box" during hurricane season. Im not sure exactly what the "box" includes/excludes and that is onlt my first quote. It seemed a little high but further competitive quotes are needed.
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Old 10-09-2008
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You are going to have to shop around THOROUGHLY for insurance quotes to get the best deal on the coverages you want.
I took an intro yacht surveyor course and one exercise was to get a quote for the same boat (Pearson 30') from 4 different carriers: AllState was one IIRC, you should find 3 others and even look at using the insurer that covers your home and auto policies.
You will have to purchase additional insurance for any trips you take outside of your base coverage area; any trips to the Bahamas, Caribbean, Mexico or SA will be additional. I can't remember the name(s) of the international carriers to use either.
I would ask the same question over at this other cruisers forum if you do not get more specific recommendations: CSBB Forum - Message Index
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Old 10-10-2008
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Third party risks, wreck removal, and £2,000,000 personal liability costs about £250 here, in Scotland.
I guess we are getting a good deal. I used to go fully comp, but gave up on it.
We don't have tropical hurricanes, and that helps.
I am not particularly trusting of insurance companies anyway. I don't trust any of them anymore. They are probably bankrupt and haven't told us yet.
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