Thread: Boat insurance?

Originally Posted by Hanr3

My Boat insurance is rolled in with my house insurance.

Are you sure? Lots of home insurance only covers it when it is at the house....not on the road, not at a motel, not at the boat ramp, not tied to a dock or on the water....

Guys,
Look into your policy. Very alarming once I started digging into it. The policy I currently have will not cover anything other than boat and motor and trailer. I currently have more invested in electronics (helix units at bow and console and Garmin 1022 unit and livescope)than my boat is worth. I feel like the farm truck of crappie fishing!??*??


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Mine is also grouped into my home owners. I had to itemize and list with value the boat, outboard, and trailer. Also supplied them with hull number, engine serial number, and trailer vin.
I also added an attachment with extra coverage on my electronics, and my trolling motor. Of course that was extra. 10 bucks per hundred I think.
Didn’t include anything extra for my rods, baits, etc. My boat is always garaged and never left unattended except when I’m dockside to get my truck and trailer when launching or loading.
If someone gets in my boat and takes my stuff during that time I had better not catch them. Lol
They will need insurance…….medical insurance!!!!!
Chuck


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Chuck

"Didn’t include anything extra for my rods, baits, etc. My boat is always garaged and never left unattended except when I’m dockside to get my truck and trailer when launching or loading."

Just wanted to share a friends experience this spring. He stops at a traffic light. Light turns green. He proceeds thru and as the boat/trailer is in the intersection, it's T boned at 55mph. They used snow shovels and brooms to clean up the site.

Mike

I encourage you to at least ask your agent about the Inland Marine type of coverage. It will not be the cheapest, but it may be your best value. It also helps if the agent has a clue what the Inland Marine policy is. I got lucky. Mine understood and could explain the differences well.

Mike

Thanks Mike
I would assume the other drivers insurance would cover your friends boat damage/loss under collision but unsure.
During my 32 year career I testified several times regarding traffic accidents. Both civil and criminal.
I was on the accident reconstruction team for several years.
Never involving coverage but fault/no fault court decisions on behalf of the state.
Insurance companies deal in percentages. Some states consider both drivers a percentage at fault just for being on the road. Weird but true.
Meaning if driver X wasn’t on the roadway driver Y would have never collided with driver X. Go figure.
That percentage could save the company millions in certain circumstances.
My rods, baits, etc aren’t insured with extra coverage and if stollen would eat that. Usually carry 15-20 rod/reels on board and they average 150-200 each, Yeti cooler, Ingle bait coolers, and who know how much value in baits and accessories.
That’s just the way I do it right or wrong.
Thanks for your post.
Sorry for the long winded answer.
Chuck



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I have Tennessee Farm Bureau. Been a member for nearly 40 years. No complaints.

I have AAA and I actually had them send me an explanation of what I have. I have 25k on the boat, 5k on contents (tackle and stuff) and 5k on electronics!

I guess I’m covered.


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