Thread: Boat Insurance

Originally Posted by FurFlyin

I'm now on the 4th boat I've owned in my life and I've never had one until now that I had anything other than liability type insurance on.

What kind of insurance (coverage wise) do you guys have, and who do you use? Also, have you ever filed a claim with them and if so how easy were they to work with?

I went through my agent...he found a geico policy add on...think it was called sportsmans package...includes coverage w towing both behind truck and on water...as well as lower unit protection and theft of equipment . Think its 170 a year for 6600 replcement on boat, liability, etc

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I use State Farm, Cheap insurance for piece of mind, plus protection.

I have it with all state same as my cars and house. My lowe stinger had a lower unit freeze and bust. Has no problems getting it fixed. One call and it was done. I would keep full coverage. One time in the shop can cost more than years of insurance

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Progressive on the war eagle. It is $100/yr. By the time i bought the WE, USAA stopped issuing their own insurance and partnered with progressive
USAA on the Triton. I think it is about $150/yr.

Both seem to be great policies.

Mine is with State Farm and runs $125 a year. I don't remember my coverages and limits but it's pretty standard.

Have priced it through all state pretty good coverage but hadn’t taken it yet it’s about 170 yr

Thanks for the replies!

I filed a claim on Travelers one time on a boat I owned that was stolen. I do not remember how much the policy was but it was very reasonable. I financed the boat when I bought it. When I reported it stolen Travelers paid the boat off and paid me the difference in the purchase price I paid minus what I owed. So practically I got to use a boat for 2 years for free.