Sailing Insurance? - Page 3 - SailNet Community
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post #21 of Old 03-06-2011
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You may also be able to get the boat added to your liability coverage on your auto policy, if you have one. Or you may be able to take out a simple "umbrella liability" coverage.

If you have any coverage with any insurer--ask. I also wouldn't spend any money on "comprehensive" coverage of the boat, spend it on a towing policy instead. But liability for any damage you might do, to other craft, is a bigger issue. Also note that if your boat sinks in the wrong places, you'll be required to remove the wreck--and that can easily run five figures. Something you'd want the liability coverage for.
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post #22 of Old 03-09-2011
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$80 a year from aaa. Liability, recovery, and environmental included. Works for me.
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post #23 of Old 03-09-2011
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$80 a year from aaa. Liability, recovery, and environmental included. Works for me.
AAA told me that they do not underwrite boat policies themselves - they act as an agent for other companies, and those other companies can vary all over the map for cost. Could you check your policy and let us know who the underwriter is? That could help greatly in speeding my search. My current policy expires in about 2 weeks, so I need to move fast if I'm going to change companies.


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post #24 of Old 03-10-2011
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Maybe it is just auto club of southern California that offers what I have, but we have home, car, and boat with them. They did everything over the phone and never needed a survey etc. for liability only. Are policy just has auto club southern California listed, and they included the stuff for our county and marina as a write in. Hope you can figure it out.
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post #25 of Old 03-10-2011
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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.
The AAA agent just told me that Progressive only covers wreckage removal at 5% of the value of the boat. If you have a $15,000 boat, you get $750 to remove its wreckage - about enough to remove your wrecked dinghy. Even if you have a $200,000 boat, $10,000 is not likely to cover its removal.

Buyer beware. Maybe your state requires them to provide better coverage for wreckage removal.


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