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post #1 of 19 Old 02-18-2010 Thread Starter
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Boat Insurance

Any recommendations of companies out there that provide good coverage and rates on the east coast...something that will also cover the boat in the Bahamas...and not progressive or geico...they're lame...
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post #2 of 19 Old 02-18-2010
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You might want to contact a good marine insurance agent to get a better idea of what policies are available to you. I'd recommend Christine Hartge, out of Hartge Insurance.

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post #3 of 19 Old 02-18-2010 Thread Starter
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thanks man, ill check her out
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post #4 of 19 Old 02-18-2010
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I'm using BoatUS Insurance and believe it or not they were cheaper than the other companies I had quotes from.

Be careful going with the cheap guys as they are a nightmare to deal with if you ever have to file a claim. I read too many horror stories from others about fighting to get any work done, I have never heard anything bad about BoatUS. Sometimes you just get what you pay for.

I had the underwriter extend my cruising area beyond their normal area for the gulf coast, they did this free of charge but I did have to ask for it. Just something to keep in mind when your talking to different companies.

DB
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post #5 of 19 Old 02-18-2010
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i use IMIS and they were cheaper than everyone we checked with. they will change your coverage as needed for where you go all the way thru the Carib. our insurance right covers us from Canadian Maritimes down to the Ches. when we go south we have to call and they change it once we are around the Ches. then when we get to Fla. they change it for Carib.
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post #6 of 19 Old 02-18-2010
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RLI through Mariners General was the cheapest for me. Followed by BoatUS

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post #7 of 19 Old 02-19-2010
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I second Mike's recommendation, IMIS.

I keep my boat in the Bahamas year-round and they've covered me for the past 5 years. Boat US dropped my coverage after Hurricanes Jeanne and Frances. Glad they did! IMIS coverage was cheaper and more comprehensive.

Last edited by AlanBrown; 02-19-2010 at 09:56 AM. Reason: spelling error
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post #8 of 19 Old 02-19-2010
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What do boat insurance companies actually pay for? Maintenance? Rig failures? catastrophic failures? Blistering? It seems that the boat owner picks up the bill for everything except liability and complete loss. Do they cover EPA fees and salvage fees?
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post #9 of 19 Old 02-19-2010
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Many will pay for rig failures, haul outs to avoid damage from named storms—like hurricanes, environmental remediation costs if you spill/leak fuel, salvage fees if your boat sinks, etc.

It really depends on your policy...

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What do boat insurance companies actually pay for? Maintenance? Rig failures? catastrophic failures? Blistering? It seems that the boat owner picks up the bill for everything except liability and complete loss. Do they cover EPA fees and salvage fees?

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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.

—Cpt. Mal Reynolds, Serenity (edited)

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post #10 of 19 Old 02-25-2010
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We second sailing dog about Christine Hartge Wilson for your boat insurance needs. We recently had a small claim (liability) and the guy we bumped said claim was handled well. Contact them at Hartge Insurance Associates - We Specialize In Your Unique Insurance Needs

Saltwater Suzi and Cap'n Larry


"A sailboat is a fickle mistress. You’ve got to buy her things. You’ve got to understand everything about her. What you don’t know she’ll use against you." -Captain Larry


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