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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > 700% increase in Insurance!
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Topic Review (Newest First)
05-05-2013 01:48 PM
Leocat66
Re: 700% increase in Insurance!

We survived "Katrina" in the Oak Harbor Marina, with only cosmetic damage and no water in the interior. We provided Allstate with photos before and after, showing how we prepared and the result. 40 boats on our pier, 3 left floating. They could not have cared less, even though in preparing properly we were attempting to protect their investment and the photos proved it. These jerks are as cold as frozen fish.
05-05-2013 10:44 AM
CapnChuck
Re: 700% increase in Insurance!

BoatUS is one of the most expensive insurance companies for boats in the U.S. if you are in the Southeast. Just shop for better rates and drop them like many other boaters have done. They are great if the boat sits on a trailer in your back yard in Colorado. Don't just accept these kinds of rates because you moved to Louisiana. We dropped them 12 years ago when they started these ridiculous rate increases. We have been based out of south Florida for about 12 years and cruised all over the Bahamas, where we are now, and the Caribbean. Walk the local docks and ask owners who they use. Chuck
05-05-2013 08:28 AM
Minnewaska
Re: 700% increase in Insurance!

Cajun and Cajuns: Genealogy site for Cajun, Acadian and Louisiana genealogy, history and culture

Lousiana is no stranger to hurricanes. By quick glance, most decades had between 5 and 6, with 2000-2009 having 7. I giggle to hear the global warming lemmings line up at all weather stories. Yes, the planet is warming. Yes, it has been warming ever since glaciers covered the planet. No, not every hurricane is a new concept. There were plenty before aerosol and combustion engines were invented.

Bottom line with insurance in the Southeast is the topography is so low, there is generally no where to hide and losses are greater on average. Therefore, premiums are higher on average. However, shop around, you can probably do marginally better.
05-05-2013 03:33 AM
chef2sail
Re: 700% increase in Insurance!

Quote:
Originally Posted by pyewackette View Post
Curious to see what you think about where your healthcare is going and who you blame for that? And you will have no choice about that. If people don't start complaining about being raped by big corporations, when will it stop?

By the way, it appears you live in a hurricane zone yourself, is that correct?
Don't be silly. Compare universal healthcare for everyone to insurance on a boat for the playtime of the few. Surely you have a better analogy.

Yes I guess the Chessie can be a hurricane zone. However I am not bitching about my raise in insurance. I just don't want to be assessed for someone living in Louisiana
05-05-2013 02:31 AM
Joesplace
Re: 700% increase in Insurance!

Quote:
Originally Posted by jephotog View Post
Got it. I assumed because you lived in SF and you owned a sailboat you were rich. I am surprised at how affordable Monterey Marina is, is Monterey still in California? I was offered a job in Santa Rosa and was amazed how expensive it was considering how far from the water it was.

So do you live in BR and commute to the boat in Slidell? When I lived in New Orleans I lived no more than 10 minutes from my boat. Does the boat have Air conditioning?
Our marina in Monterey Bay was Moss Landing marina, a great place but get use to wind and waves. Yep, we will commute the 45 minutes to Slidell and nobody in Northern California has AC in their boat. Just wasn't needed with 70 degree days and 45 degree nights . . .
05-05-2013 02:16 AM
jephotog
Re: 700% increase in Insurance!

Quote:
Originally Posted by Joesplace View Post
We had an unexpected death in the family so we moved to BR to assist with family needs. . . .
Got it. I assumed because you lived in SF and you owned a sailboat you were rich. I am surprised at how affordable Monterey Marina is, is Monterey still in California? I was offered a job in Santa Rosa and was amazed how expensive it was considering how far from the water it was.

So do you live in BR and commute to the boat in Slidell? When I lived in New Orleans I lived no more than 10 minutes from my boat. Does the boat have Air conditioning?
05-05-2013 01:54 AM
Joesplace
Re: 700% increase in Insurance!

Quote:
Originally Posted by jephotog View Post
15 Chamale Cv E, Slidell, LA 70460 - Zillow

Wonder how much a house in San Francisco with your own dock would cost?
If you have to ask, you can't afford it . . .
05-05-2013 01:52 AM
Joesplace
Re: 700% increase in Insurance!

Jordan - my boat slip in Monterey Bay cost $250 per month and that included all utilities. The slip in Slidell cost the same but not close to the quality. Sailing the Pacific for years leaves many unforgettable memories and we are looking forward to cruising the Gulf but because of our cost of living has increased, other things must suffer.

We had an unexpected death in the family so we moved to BR to assist with family needs. . . .
05-05-2013 01:45 AM
jephotog
Re: 700% increase in Insurance!

15 Chamale Cv E, Slidell, LA 70460 - Zillow

Wonder how much a house in San Francisco with your own dock would cost?
05-05-2013 01:32 AM
jephotog
Re: 700% increase in Insurance!

Quote:
Originally Posted by Joesplace View Post
Jordan - cost of living going down, HA! My auto insurance more than doubled, boat insurance went up by 700% and it cost $3200 just to register my two cars. The cost to move my boat from San Francisco to Slidell is about $6000 and that includes rigging at both ends. In CA we had a real slip but here it's 4 poles in the water you tie your boat to and that costs $7 a foot! The cost of renting a house is a little less as is the food so to sum it up, if I had done my homework properly, not sure I would have made the move . . .
Hey Joe,
I grew up in the East Bay, I would love to live there if I could afford it, but can't. I lived in New Orleans for 5 years so I know the cost and quality of life difference. I used to pay $550 for a 3 room apt in New Orleans, could afford to buy and keep a boat in a slip. I can't imagine what that would cost in the bay.

I lost a truck, plane and business in Katrina, the only reason my personal possessions survived is they were on the second floor. Slidel was really hammered in Katrina and has been flooded at least once since then. Lots of people lost their homes in New Orleans and more so east of there. You are probably paying the cost of all these expenses. Lack of housing due to destruction and the reminder for the insurance companies of how expensive it is to replace everything in a 100 mile radius. When I lived there it was cheap, and fun, really fun. Why did you move, not humid enough in SF for you?
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