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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > Anyone using Allstate for boat insurance?
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Topic Review (Newest First)
10-21-2003 04:01 AM
DuaneIsing
Anyone using Allstate for boat insurance?

More thanks to those answering my insurance question. I feel pretty good about our tentative plan.

Duane
10-19-2003 04:22 AM
pblais
Anyone using Allstate for boat insurance?

One thing to note is that insurance underwriting is done on a state by state basis. Here in Virginia I use Allstate for everything cars, house, and boat. Great boat rates! The 100 miles off shore limit is included with no other exclusions as with other policies but as has been stated they won''t go beyond 100 miles.

Mostly I went with Allstate because the agent is so good as well as the rates. In Minnesota I would never have used Allstate. I had State Farm there but here in VA State Farm does not want to write policies at all and for existing customers that move here they quote hideously high rates.

Rates are partially dependant on the state you live in. Each comapny manages each state as a small company. One state may be very unlike another in how they do the rates.

Your own policy / claims history and valuations also really play an important part as well.

Your driving record and credit rating also effects your boat policy a huge amount. Drunk dead beat power boaters with gasoline engines still rack up the most claims / deaths.
10-16-2003 08:07 PM
Irwin32
Anyone using Allstate for boat insurance?

I have been insured by Allstate for 25 years - boat only. I have compared rates to Boat US and West - much cheaper. I have no other insurance with Allstate. I have made 2 claims in the last 7 years totalling about 9k (both incidences out of my control) - none before that. No increase in premiums.
A friend had his '' 75 Ericson 35 on Allstate. Above decks this boat was rough. He lost steerage coming into a harbor and went on the rocks - total loss. They gave him close to 30k.
10-15-2003 04:19 AM
DuaneIsing
Anyone using Allstate for boat insurance?

Thanks for all your replies on my Allstate Insurance question. I see we have the not-unexpected bad experience mixed in with the good. We have had 2 auto claims with Allstate (due to others'' fault) and had no problems with those claims.

I don''t think we need to worry about going farther than 100 miles from the US/Can coast for the first year or two, and there is a rider you can buy that covers the entire Bahaman chain if we want it.

Thanks again.

Duane
10-14-2003 02:55 PM
DonFoley
Anyone using Allstate for boat insurance?

I used Allstate for a couple years. My surveyor told me they had the best response to paying the damages he surveyed for insurance claims. The rate was cheap. But they only covered out to 100 miles of the US/Can coast with no exceptions and no riders, so we had to drop them.
10-14-2003 02:37 PM
gunnyman1
Anyone using Allstate for boat insurance?

vbb
10-14-2003 02:36 PM
gunnyman1
Anyone using Allstate for boat insurance?

Used Allstate on my last boat. I live in the upstate of SC. They beat everyones''s price at a declared value and only raised my premiums once in a five year period, even though I had two claims. Both sails! Seems I have bad luck in that department. Left them when I sold that boat and on buying my new one they wouldn''t cover me unless they had a bundled deal to include house and cars. Then I found Progressive and they have been absolutely great price wise.
10-14-2003 12:41 PM
nauticalrich
Anyone using Allstate for boat insurance?

Maybe this has nothing to do with the boat insurance divison of Allstate but here goes.
I was rear ended at a stop light and sent me to the emergency ward. It was 8 months after I had cervical surgery and it hurt.
I was unable to use my right arm for any kind of repetitive labor for 6 weeks.

Allstate agreed to pay all bills, co pay, ambulance, and painting and cleaning my boat so I could get it out of the yard.

I paid all bills and at their request mailed them to Allstate. They never replied. After I followed up with them they told me I need to go back to the doctor and get a release or percent disability.
More co payments. After a year and a half
I asked them for reimbursement and told them the statue of limitation is up in 2 years and they were forcing me to get an attorney.
They did not care about their insured and let me sue them.

I only asked for reimbusement of around $800. Their total disregard for their insured caused them to get sued. Even though the insurance co handles lawsuits, you are the one who is sued.

THEY WILL NOT STAND BEHIND YOU. THEY ARE CHEAP.

Also, the insurance rate sounds awful high.
Don''t know the value of your boat but mine is around $28,000, full coverage including $1,000 emergency service, no deductable on that, $300,000 libability, etc. Around $500.00 on my home owners.

Good Luck

10-14-2003 10:47 AM
DuaneIsing
Anyone using Allstate for boat insurance?

Getting budgetary quotes for our purchase next year, I found that two major marine carriers, Boat US and United Marine Underwriters both quoted me at around $1,450 per year. As a target, I used:

$100K agreed-value on a 36 foot boat, less than 10 years old, $1,000 deductible, $300K liability, homeport in West Florida, used 12 months a year, and cruising within 100nm of US and Canada (other details escape me at the moment). [Yes, I know this leaves out cruises into the Caribbean, but that''s OK for our first year or two. We can get a Bahaman rider for $50 with the carrier listed below.]

I also checked out Allstate for the same coverage at someone''s suggestion. Even without the discount for giving them my home and automobile policies (as I have now), the premium is quoted at less than $500 per year. I understand that many boat policies are written by Allstate in that area.

My question is whether any of you have used Allstate for your boat insurance and have any comments, pro or con. I''m not sure why there can be such disparity in the premiums. In addition to any advice I get here, I will be sure to compare the policies very carefully before choosing.

TIA,

Duane

 
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