I am considering getting PROGRESSIVE insurance, but I have some questions.
here are the details of the quote. Boat is a 1974 Contest 31'
13000 Agreed value of boat (paid 12000)
100,000 uninsured boaters
100,000 liability (combined limit per accident)
covered 75 nm out
500.00 deductable for comprehensive collision and electronics
Wreckage removal is covered in comprehensive, I assume that does not include environmental impact insurance. Also included is 'disappearing deductable', whatever the hell that means! Fuel spill liability is included under liability, so maybe impact fee is covered afterall. Is that the same thing?
These are questions that I will ask the agent, I am just reading the quote for the first time since I got it and relaying it to you guys first.
Cost when paid in full-which I would do- is $1520.
I also have some questions that I can't really ask the agent without sounding sketchy, but I feel that they are legit questions...apparently they do not require a survey at all, but may send someone out to do an evaluation. If this is the case, what will they be looking for? Am I going to be denied coverage if I'm missing double clamped hoses? The electrical on my boat probably was top of the line in 1974 Europe, but I don't think that its going to win any awards here... I guess I'm directing this mainly towards those who have had the evaluations take place, what'd they look for? All other opinions are welcomed!
OH! The boat will be kept in Charleston, SC so I imagine that the rates will be a bit higher bc of the hur**cane location.