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Go Back   SailNet Community > General Interest > General Discussion (sailing related)
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  #11  
Old 03-04-2011
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Quote:
Originally Posted by svHornblower View Post
I don't think USAA has boat insurance on their own. I think they go through Progressive.
Correct. I have USAA, and when I inquired about boat insurance I was sent to Progressive.
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  #12  
Old 03-04-2011
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Quote:
Originally Posted by svHornblower View Post
I don't think USAA has boat insurance on their own. I think they go through Progressive.
And Markel, as I have a Helmsman Yacht Policy through USAA.

But to the OP, I wouldn't think of not having liability & environmental coverage at the minimum.
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  #13  
Old 03-04-2011
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Out of curiosity, has anyone heard any details of the USCG fining someone for accidental discharge? I know what is "possible" but what has actually happened? I would guess it would be mainly from diesel & oil.

I would suppose a sailboat with a 4-stroke outboard (about 1qt oil) and a few gallons of gasoline would leave a much smaller environmental impact. Adding to that, a boat with full floatation would further decrease risks.
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  #14  
Old 03-04-2011
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Originally Posted by mdbee View Post
Out of curiosity, has anyone heard any details of the USCG fining someone for accidental discharge? I know what is "possible" but what has actually happened? I would guess it would be mainly from diesel & oil.

I would suppose a sailboat with a 4-stroke outboard (about 1qt oil) and a few gallons of gasoline would leave a much smaller environmental impact. Adding to that, a boat with full floatation would further decrease risks.
If you do some searching around here, you'll find several horror stories about USCG conducting forced boardings at gunpoint to check that Y-valves are properly closed. I think these fines are a realistic possibility in some heavily trafficked areas that have enforcement.

On the subject of insurance, I got a really good quote from BoatUS, but their maximum liability coverage was less than my homeowners liability. Since boating is probably the highest liability thing I do, I could not accept a lower coverage limit for my sailboat. My homeowners company was willing to write a policy for my 25' boat, and my umbrella policy supplements it. It's a few dollars more than BoatUS, but I wanted the higher liability coverage. Whether your marina requires it or not, I strongly suggest liability coverage. Your boat can do a lot of damage to others.
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Old 03-05-2011
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Originally Posted by RhythmDoctor View Post
If you do some searching around here, you'll find several horror stories about USCG conducting forced boardings at gunpoint to check that Y-valves are properly closed......
I haven't heard of the Coasties boarding at gunpoint. You are probably thinking of some local law enforcement stories, particularly in FL. USCG certainly does board and check discharge, among others, but I do not think they've been accused of excessive use of force.
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Old 03-05-2011
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Quote:
Originally Posted by Minnewaska View Post
I haven't heard of the Coasties boarding at gunpoint. You are probably thinking of some local law enforcement stories, particularly in FL. USCG certainly does board and check discharge, among others, but I do not think they've been accused of excessive use of force.
A friend of mine is with the local coast guard and I did ask him about this - I asked him what prompted them to generally stop and board pleasure boaters. He responded that if they wave at the boaters and the boaters don't wave back they're generally doing something illegal.
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Quote:
Originally Posted by svHornblower View Post
I don't think USAA has boat insurance on their own. I think they go through Progressive.
I got a quote from progressive that was about $250 (300k in liability only) and then got a quote from USAA, who sent me a progressive quote, for over $500 for the exact same policy. If you want to use Progressive, I would suggest going directly through them instead of the middleman.
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Insurance is all regulated by state, so your experience could differ dramatically from those you read here.

I would contact a local insurance agent, they do this stuff for a living. If you already have a homeowner's or auto agent and like them, then start there.
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I agree with Minnewaska, try the insurance agent you use for home and auto. My Allstate agent for home and auto got me great coverage including; tow, liability and declared value for my 40 year old 20ft boat for just over $300 through Hagerty. Allstate did not offer coverage for my old boat.
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  #20  
Old 03-05-2011
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Quote:
Originally Posted by chef2sail View Post
No worries, thats not a smart idea. An thats like not having car insurance because you a driving a 12 year old car which is worth 1000, As SD said...environmental issues could cost hundrreds of thousands, and god forbid someone he had with him could slip, fall,,,and get mightily injured and sue you. I could understand about nat havng replacement insurance, but that is only one fraction of the insurance eveyone needs.
The point about not needing to insure the boat is a good one. Just as most folks don't need comprehensive insurance on their car, he doesn't need to insure an $800 boat. OTOH, just like everyone needs liability insurance, he does need liability insurance.
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