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Go Back   SailNet Community > General Interest Forums > General Discussion (sailing related)
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  #11  
Old 05-15-2011
TakeFive's Avatar
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My first year I used State Farm. They did not require a survey. For my second year I shopped around for a better price. In addition to a substantially lower price, I discovered that policies from carriers who are more oriented toward the marine industry covered important things that the State Farm agent wasn't familiar with, like liability for environmental release, consequential damages from a non-covered failure, and salvage of a wrecked boat. The latter was covered by SF but capped at the agreed value of the policy. In other words, if my boat is a total loss they'll pay its agreed value, but there will be NOTHING left to cover costs of salvage that the local authorities might require.

So be sure to read all the terms of your policy carefully. Cars, homes, and boats are very different things, and there is a benefit to dealing with someone who is used to the specific needs of boaters.
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Formerly posted as "RhythmDoctor"
1998 Catalina 250WK Take Five (at Anchorage Marina, Essington, on the Delaware River)
1991 15' Trophy (Lake Wallenpaupack)
1985 14' Phantom (Lake Wallenpaupack)
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