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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > Little or no insurance?
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Thread: Little or no insurance? Reply to Thread
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Topic Review (Newest First)
10-29-2008 01:04 PM
N0NJY
Quote:
Originally Posted by WouldaShoulda View Post
Homeowners or renters may cover bodily injury but nothing for wreck removal.

See your agent PRONTO!!
If that was for me, you're incorrect in your assumption. That's not "homeowners" insurance.

Homeowners insurance AUTOMATICALLY covers RVs, Boats and other property at your home. That's what I was talking about.

My vehicle insurance covers the towed vehicle. My BOAT insurance covers ALL the other stuff.
10-29-2008 12:19 PM
sailhog I would skip the insurance.
10-29-2008 11:52 AM
WouldaShoulda
Quote:
Originally Posted by sailingdog View Post
Unfortunately, in the USA, most marinas REQUIRE boats that use their facilities to be insured.
For liability anyway.

Why is that "unfortunate??"
10-28-2008 07:50 PM
painkiller
Quote:
Originally Posted by Duckwheat View Post
Lot's of scared people in the world not willing to take even a little risk.
Risk? Like taking a bite out of that hunk of fish head in your avatar? I hope it was fresh.
10-28-2008 05:44 PM
sailingdog Unfortunately, in the USA, most marinas REQUIRE boats that use their facilities to be insured.
Quote:
Originally Posted by tdreffin View Post
I just sailed around the world on a 44' catamaran without insurance, never had an accident or damage. My husband and I preferred to put money we'd use for insurance into good navigational gear and tackle. It's truly a matter of how confident you feel about the area where you store your boat, as well as your abilities to handle emergencies when underway.
10-28-2008 05:39 PM
speciald People have forgotten that the purpose of insurance is to pay for losses or costs that you routinely can't afford. Insurance was not originally designed to pay for well baby care. You need liability insurance to protect your other assets in case of an accident - remember that there are more lawyers currently in practice than ever existed at one time in the history of the world and they are out to get you. You probably should carry liability coverage and may have to take out a policy with some minimum liability coverage and a high deductable for property loss. Should not cost more than $100-130/year. Hope you never need the liability coverage.
10-28-2008 05:29 PM
hellosailor "Homeowners or renters may cover bodily injury but nothing for wreck removal." And environmental fees. Remember that if you sink, and your outboard fuel can causes a "fuel spill"...You'll probably get a $10,000 invitation from the USCG or other parties, to start with.

Homeowner and auto policies are often very competitive for small craft, just very limited in what they cover.
10-28-2008 05:17 PM
tdreffin I just sailed around the world on a 44' catamaran without insurance, never had an accident or damage. My husband and I preferred to put money we'd use for insurance into good navigational gear and tackle. It's truly a matter of how confident you feel about the area where you store your boat, as well as your abilities to handle emergencies when underway.
10-28-2008 05:03 PM
Duckwheat
insurance

I would roll those dice. Property loss is negligible. Homeowners should extend liability to your boat, double check.

Keep the money in your pocket. Lot's of scared people in the world not willing to take even a little risk.

DW
10-28-2008 04:58 PM
WouldaShoulda Homeowners or renters may cover bodily injury but nothing for wreck removal.

See your agent PRONTO!!
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