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  #21  
Old 03-26-2009
erps's Avatar
the pointy end is the bow
 
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erps will become famous soon enough erps will become famous soon enough
I bought our first two boats without surveys and we were able to get liability insurance for them. As the boats increased in value, the insurance companies started requiring surveys. I don't know where the cut off point is though.
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  #22  
Old 03-26-2009
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A lot of times it seems to depend on the type of insurance you want.

A while ago I ran two insurance quotes on the same boat, one with agreed value, and one with full replacement etc. They only required a survey for the full replacement policy. There is a cutoff point for agreed value too, but it appears to be at the $10,000 mark. Which would seem to be about the right value for many 'first' boats anyway, so it works out well.
Personally I feel that if I'm in the position to say I wish I had more coverage, I'm actually in good shape.

Ken.
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