Sailing Insurance? - SailNet Community
Reply
 
LinkBack Thread Tools
post #1 of 25 Old 03-04-2011 Thread Starter
Junior Member
 
Join Date: Mar 2011
Posts: 6
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
 
Sailing Insurance?

Hi all,

New to the forum and new to sailing. I haven't done much research but I'm interested calling the insurance company (USAA) to get a policy on my '72 Bristol 24 (value $800) so that in the case that I ran ashore or found the shallow point in Chaumont Bay (off of Lake Ontario in Upstate New York)

What questions should I ask?

What features should I ask for?

Any other advice?

Sailing Video for your efforts:

YouTube - Sailing in Chaumont Bay

On my friend's 36'

YouTube - Sailing on Lake Ontario
Ryan1975 is offline  
Quote Quick Reply Share with Facebook
Sponsored Links
Advertisement
 
post #2 of 25 Old 03-04-2011
Telstar 28
 
sailingdog's Avatar
 
Join Date: Mar 2006
Location: New England
Posts: 43,290
Thanks: 0
Thanked 17 Times in 13 Posts
Rep Power: 15
         
Given that your boat is less than 26' LOA, you may be able to get liability coverage for your boat under your home owner's insurance. Environmental remediation coverage is a good thing to get.

Sailingdog

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Telstar 28
New England

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)

If you're new to the Sailnet Forums... please read this
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
.

Still—DON'T READ THAT POST AGAIN.
sailingdog is offline  
Quote Quick Reply Share with Facebook
post #3 of 25 Old 03-04-2011
Sundance 23
 
carl762's Avatar
 
Join Date: Jan 2010
Location: Portland Oregon
Posts: 878
Thanks: 2
Thanked 5 Times in 5 Posts
Rep Power: 7
 
My first marina required $500,000 liability coverage/environmental remediation. So, with that I got insurance for that, comprehensive for the value of the boat and the motor, with rider for any attached (i.e., chartplotter, etc), and unattached equipment, $5,000 per occurrence medical. I got my policy through Safeco.

My new marina doesn't require the liability insurance, but I kept it anyway, naming the marina owner as a co-insured. $22/month.

Nice videos, and welcome to Sailnet!!! My boat's very similar to the one in the first video.

Water is Life
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
carl762 is offline  
Quote Quick Reply Share with Facebook
post #4 of 25 Old 03-04-2011
Senior Member
 
n0w0rries's Avatar
 
Join Date: May 2009
Posts: 240
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 8
 
My advice? You don't insure a $800 boat unless you're keeping it in a marina that requires liability coverage.

I mean really... sink it and after your $500 deductible you'll get $300. It would be like getting insurance for a kayak.

Caribbean 50 Ketch
n0w0rries is offline  
Quote Quick Reply Share with Facebook
post #5 of 25 Old 03-04-2011
Telstar 28
 
sailingdog's Avatar
 
Join Date: Mar 2006
Location: New England
Posts: 43,290
Thanks: 0
Thanked 17 Times in 13 Posts
Rep Power: 15
         
Considering that a keelboat that sinks and spills fuel can incur up to an $800,000 environmental remediation fine from the USCG, insuring it against that alone in usually worth doing.

A kayak generally can't cause a financial hit like that no matter what you've done with it.
Quote:
Originally Posted by n0w0rries View Post
My advice? You don't insure a $800 boat unless you're keeping it in a marina that requires liability coverage.

I mean really... sink it and after your $500 deductible you'll get $300. It would be like getting insurance for a kayak.

Sailingdog

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Telstar 28
New England

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)

If you're new to the Sailnet Forums... please read this
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
.

Still—DON'T READ THAT POST AGAIN.
sailingdog is offline  
Quote Quick Reply Share with Facebook
post #6 of 25 Old 03-04-2011
Sundance 23
 
carl762's Avatar
 
Join Date: Jan 2010
Location: Portland Oregon
Posts: 878
Thanks: 2
Thanked 5 Times in 5 Posts
Rep Power: 7
 
And, you don't necessarily have to have a $500 deductible. It's only about money.

Water is Life
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
carl762 is offline  
Quote Quick Reply Share with Facebook
post #7 of 25 Old 03-04-2011 Thread Starter
Junior Member
 
Join Date: Mar 2011
Posts: 6
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
 
Sqildog hit the the nail on the head. I love my Bristol but I'm more scared about $30k fine for accidental beachings
Ryan1975 is offline  
Quote Quick Reply Share with Facebook
post #8 of 25 Old 03-04-2011
Senior Member
 
chef2sail's Avatar
 
Join Date: Nov 2007
Location: Maryland
Posts: 7,418
Thanks: 32
Thanked 76 Times in 72 Posts
Rep Power: 9
 
Send a message via AIM to chef2sail
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.

Dave


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
___________________________
S/V Haleakala (Hawaiian for" House of the Sun")
C&C 35 MKIII Hull # 76
Parkville, Maryland
(photos by Joe McCary)
Charter member of the Chesapeake Lion posse

Our blog-
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


“Sailing is just the bottom line, like adding up the score in bridge. My real interest is in the tremendous game of life.”- Dennis Conner
chef2sail is offline  
Quote Quick Reply Share with Facebook
post #9 of 25 Old 03-04-2011
Member
 
svHornblower's Avatar
 
Join Date: Dec 2010
Location: Neptune Beach FL
Posts: 41
Thanks: 2
Thanked 0 Times in 0 Posts
Rep Power: 0
 
I don't think USAA has boat insurance on their own. I think they go through Progressive.

1985 C&C 37
Neptune Beach FL
svHornblower is offline  
Quote Quick Reply Share with Facebook
post #10 of 25 Old 03-04-2011
Senior Member
 
rdstanley's Avatar
 
Join Date: Sep 2006
Location: Chocowinity, NC
Posts: 122
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 10
 
I wouldn't dream of not having liability insurance. We had a fire at my marina, 26 doats were destroyed. Teams are still pulling boats off the bottom. I'd hate to be on the hook for that....

s/v Puggin Along
1988 Catalina 30
Washington, NC
rdstanley is offline  
Quote Quick Reply Share with Facebook
Reply

Quick Reply
Message:
Options

By choosing to post the reply above you agree to the rules you agreed to when joining Sailnet.
Click Here to view those rules.

Register Now



In order to be able to post messages on the SailNet Community forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
Please note: After entering 3 characters a list of Usernames already in use will appear and the list will disappear once a valid Username is entered.


User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in









Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance for caribbean sailing Snboard976 General Discussion (sailing related) 3 08-10-2008 09:45 AM
Sir Robin Sailing Blind Yacht Saga Insurance Monday 22nd January 2007 Latitude 43 48 S Longitude 12749E Miles To ... (Yachting Monthly) NewsReader News Feeds 0 01-22-2007 05:15 AM
Over the years, there will be smooth sailing and rough seas, but the right insurance (Orangeville Citizen) NewsReader News Feeds 0 01-18-2007 05:15 PM
Sailing Center In Insurance Dispute (WCAX 3) NewsReader News Feeds 0 07-12-2006 08:15 PM
solo sailing and insurance twblaw Cruising & Liveaboard Forum 3 08-22-2003 01:18 PM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome