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Boat insurance is wacky

January 5 2016 at 7:56 AM
Bruce  (Login 427Cuda)

Response to An informal survey regarding marine insurance companies

We have a few boats ranging from 1962 to 2003. I have State Farm on the house and a 1980's boat, but they won't insure a boat from the 60's and were very expensive on the 2003 ski boat. We went with SkiSafe on that one. I don't know where their cut off point is on old boats they won't insure. Progressive will do stated value on older fiberglass boats and their rates seem very reasonable. I have no experience collecting for a loss, but have been told by my agent you better have support for the stated value amount. Bottom line is you have to price around because it doesn't seem to matter how good of customer you are with your insurance company, when it comes to old boats a lot of them aren't interested in the business and prices are all over the place.

Also, some companies like Progressive will raise you boat policy rates if you have a traffic violation, even if its your 1st one in 20 years and minor like a right turn violation. They check your driving record when you apply for coverage or make any change to your policy at a later date.

This message has been edited by 427Cuda on Jan 5, 2016 8:00 AM

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