Boat Insurance

RUGMAN · 09-07-2015, 07:19 AM

Looking at buying a Tritoon. Where do you go to get boat insurance, have had many auto's with insurance, never owned a boat. I went on line with Progressive, quote was around $300.00. I was surprised it was that cheap. thought maybe I read it wrong. Looking for guidance from all you veteran Boater's

ishoot308 · 09-07-2015, 07:53 AM

Quote:

Originally Posted by RUGMAN

Looking at buying a Tritoon. Where do you go to get boat insurance, have had many auto's with insurance, never owned a boat. I went on line with Progressive, quote was around $300.00. I was surprised it was that cheap. thought maybe I read it wrong. Looking for guidance from all you veteran Boater's

I found progressive to offer the best coverage at the cheapest price. Both of my boats have been covered with them for 8 years now.

FWIW,

Dan

Dad sold the C * C · 09-07-2015, 08:25 AM

I went thru my agent at home, the price was about the same, and yes I was a bit surprised. One thing we did when we got the lake house was up our Umbrella policy, just seemed like a good idea for not a lot of money.

thinkxingu · 09-07-2015, 08:36 AM

We also use our regular agent, State Farm, who has been extremely easy to deal with. Haven't heard great things about Progressive, FWIW.

Sent from my XT1528 using Tapatalk

CPS · 09-07-2015, 08:41 AM

I used my homeowners policy until my boat reached 30 years old and they wouldn't insure it anymore and then I used Progressive as they had the best price.

Slickcraft · 09-07-2015, 09:07 AM

Just got a new island boat (22' Eastern Lobster), local agent got quotes on adding to homeowners policy which was over $500 and Progressive was $217. I did get a small break on Progressive as my Harley is also covered by them however it still would be less than half the homeowners price. And Progressive has no layup period.

BTW a few years ago someone accidentally damaged the Harley while it was parked. No problem dealing with Progressive, all taken care of with genuine HD parts at the dealer.

Aguamenti · 09-07-2015, 06:21 PM

Our home and cars are insured through USAA. When we bought the boat we found that USAA does not offer boat insurance - they have an affiliate program for that with Progressive. So that's what we got.

rowinghelmet · 09-07-2015, 06:41 PM

I've heard bad things about how Progressive handles claims.

Charter Lakes (http://www.charterlakes.com/) and Boat US (http://www.boatus.com/insurance/) seem to have a sterling reputation in the industry.

Make sure to read up on Agreed Value vs. ACV (Actual Cash Value) policies - http://www.cruisersforum.com/forums/...ies-57657.html

wynndog · 09-09-2015, 06:51 AM

I got the same story with USAA. Made me use Progressive and when I sold the boat, & dropped the ins. big hassle. E-m's, phone calls, it cost me $$ to drop the ins. before the renewal came up!!

camp guy · 09-09-2015, 07:12 AM

Boat insurance can be tricky. My experience taught me that having insurance where you boat can be very helpful, and having a good relationship with the Agent is very helpful. Fortunately for me, I boated where I live, and had a local Agent for home, cars, and boat - the best of all worlds.

gf2020 · 09-09-2015, 01:41 PM

Happy with BoatUS for 7 years.

bostique · 09-11-2015, 11:04 AM

I've been very happy with the service and pricing of BoatUS insurance for the past 12 years. Exceptional customer service and quick no-hassle claim service! As mentioned above, be sure to read up on Agreed Value vs. ACV (Actual Cash Value) policies.
If you're only looking for liability protection, consider having it added to your homeowners policy to save some money. Remember that cheaper isn't always better.

gnhdad · 09-17-2015, 11:33 AM

For those that have Progressive, any insight about which package you went with (they offered 3 during the quoting process)? The basic package didn't cover towing and/or uninsured boater coverage. Is it worth the peace of mind?

ishoot308 · 09-17-2015, 12:34 PM

Quote:

Originally Posted by gnhdad

For those that have Progressive, any insight about which package you went with (they offered 3 during the quoting process)? The basic package didn't cover towing and/or uninsured boater coverage. Is it worth the peace of mind?

On my 22' Eastern, I have a "Total Loss Replacement/Purchase Price" policy. Basically I get exactly what I paid for the boat when new ($51,000.00) in case of a total loss at any time. There is no depreciation whatsoever.

This policy includes roadside assistance, and coastal navigation coverage within 75 nautical miles, (not that I need that but it is included). I also have a $1000.00 replacement cost coverage for personal effects. My trailer is also covered as well as any and all installed marine electronics and uninsured boater...

Total annual premium = $177.00

If I remember correctly, the difference in price from their basic plan to this total purchase price plan plan was minuscule and well worth getting.

Hope this helps!

Dan

Slickcraft · 09-17-2015, 12:34 PM

The rate that I mentioned in post #6 includes uninsured boater, fuel spill and towing coverage.

Descant · 09-22-2015, 09:46 PM

I had a claim with Progressive. No problems whatsoever. I paid the deductible, they wrote a check to the marina and everybody was happy. Only took a few days for them to see the boat and wrote the check to the marina on the spot, I think. Progressive via USAA.

Donzi Minx · 09-23-2015, 05:41 AM

Absolutely Boat US. Launched the lower unit over in the NW corner of the lake, not paying attention like a buffoon, but worked with the Ewings over at Dave's and all was put back together better than new. Ditto for a windshield replacement which was really hard to duplicate on the Minx.

jhnmdahl · 10-10-2015, 06:00 PM

Progressive's quote sounds about right, but be sure to check with whoever you use for auto or homeowners insurance - you may get a discount for having multiple insurance policies with the same company.

Progressive and State Farm were close in price for me, but I have a good relationship with my State Farm agent and have heard a few so-so reviews of Progressive's claim handling (although there were many positive experiences as well), so went with my existing State Farm agent.

HellRaZoR004 · 10-10-2015, 06:23 PM

Quote:

Originally Posted by jhnmdahl

Progressive's quote sounds about right, but be sure to check with whoever you use for auto or homeowners insurance - you may get a discount for having multiple insurance policies with the same company.

Progressive and State Farm were close in price for me, but I have a good relationship with my State Farm agent and have heard a few so-so reviews of Progressive's claim handling (although there were many positive experiences as well), so went with my existing State Farm agent.

I just switched from Progressive. They do NOT cover freeze damage, don't even offer extra coverage. Just something to consider.

JasonG · 10-13-2015, 09:05 PM

ski safe. A rated, cheaper then geico.

Formula260SS · 10-14-2015, 04:03 PM

My Boat US policy came up for renewal and after reading this post decided to shop it against Progressive. Boat US for my 26' Formula and 16' Whaler was about $900.00. Progresive came in at $466.00 for both. I will say that the Boat US Policy has more detail in it and seems a little more geared towards costal boats to me. I did the agreed value option and went with standard 100/300.

Having been on the lake a long time and the boats stay there my feeling is it's a low risk proposition for me personally. I have an impeccable driving record and do not indulge. No brainer for me......I just cut my costs in 1/2 thanks to the forum !!

Old Sarge · 04-09-2016, 10:42 PM

We went through our Allstate agent. We paid $500 but got a $250 deductible on a brand new boat 50K. Plus environmental and towing. I already had to use the insurance and was happy to have the $250 deductable.

kawishiwi · 04-10-2016, 12:04 AM

I started with Progressive auto ( thoroghly outstanding on 2 auto claims) added Condo insurance then finally boat insurance. Each policy by itself was best price I could find.

Hillcountry · 04-10-2016, 09:30 AM

I just got 3 quotes from Progressive, Geico, and Skisafe (thanks to previous poster) and Skisafe is the best of the 3 and also includes freeze protection which the other 2 do not.

I also recieved a nice email from SkiSafe about my quote.

As an added bonus, so far I have recieved a dozen SPAM emails from everything from "senior dating to Terminix pest control as a result of seeking online quotes.

To me that is the saddest part of using the internet today...as handy as it is, your information is sold immediately to the spammers.

I do realize that when you seek something online there is ALWAYS some kind of fine print you have to agree to in order to get what you are seeking and to me that is just the most frustrating part of the WWW.

Orion · 04-11-2016, 07:31 AM

Quote:

Originally Posted by Hillcountry

To me that is the saddest part of using the internet today...as handy as it is, your information is sold immediately to the spammers.

I do realize that when you seek something online there is ALWAYS some kind of fine print you have to agree to in order to get what you are seeking and to me that is just the most frustrating part of the WWW.

But that's why the all-time best source of information about anything in the world is still free.

Hillcountry · 04-11-2016, 09:00 AM

Quote:

Originally Posted by Orion

But that's why the all-time best source of information about anything in the world is still free.

You are correct! I believe there are entities out there that are trying to change that fact...so enjoy while we can!

Flylady · 04-11-2016, 09:41 AM

I have Progressive for Boat and Motorcycle. They have paid without problem on MC damage. Policy for boat is $288.00.

BTW the way to avoid all the email junk when policy shopping is to avoid sites that are not directly related to the insurance company you are shopping.

Hillcountry · 04-11-2016, 10:04 AM

Quote:

Originally Posted by Flylady

I have Progressive for Boat and Motorcycle. They have paid without problem on MC damage. Policy for boat is $288.00.

BTW the way to avoid all the email junk when policy shopping is to avoid sites that are not directly related to the insurance company you are shopping.

I was directly involved with the companies in question so not sure how to avoid spam under these circumstances.
It's the same no matter what you are inquiring about online...my info is always shared with the spammers.
If you don't think companies like Progressive and Geico don't sell your email address you are probably, on the naive side (respectfully speaking)

Winnisquamer · 04-11-2016, 10:14 AM

I use progressive some 2 cars, boat, and home. No issues with them and they saved me some cash when I switched to them.

joey2665 · 04-11-2016, 11:58 AM

I switched from Travelers to Progressive and saved 650.00 per year with greater coverage

Woodsy · 04-11-2016, 12:43 PM

I have all my stuff with Allstate.... $376!

Give Chelsea Gaudet a call over in Tilton! She does a great job and has pretty competitive rates. 603.729.1170

Woodsy

Hillcountry · 04-11-2016, 06:17 PM

I will probably go with SkiSafe as they are the only ones to contact me directly with a name and email on the other end.
Their quote is quite, inexpensive at $147 for a year but I'm only insuring a 19 foot bow rider.

JasonG · 04-14-2016, 01:22 PM

Geico. Best rate for me.

Boat insurance is one of the last things that are relatively cheap these days. Everyone seems surprised when they get a quote.

09-07-2015, 07:19 AM	#1
RUGMAN Senior Member Join Date: Jul 2015 Location: weirs beach, Posts: 281 Thanks: 37 Thanked 39 Times in 32 Posts	Boat Insurance Looking at buying a Tritoon. Where do you go to get boat insurance, have had many auto's with insurance, never owned a boat. I went on line with Progressive, quote was around $300.00. I was surprised it was that cheap. thought maybe I read it wrong. Looking for guidance from all you veteran Boater's

09-07-2015, 08:41 AM	#5
CPS Junior Member Join Date: Apr 2004 Location: CT and Belmont NH Posts: 7 Thanks: 0 Thanked 0 Times in 0 Posts	re: boat insurance I used my homeowners policy until my boat reached 30 years old and they wouldn't insure it anymore and then I used Progressive as they had the best price.

09-09-2015, 06:51 AM	#9
wynndog Senior Member Join Date: Oct 2013 Location: Alton Posts: 98 Thanks: 170 Thanked 10 Times in 7 Posts	boat ins I got the same story with USAA. Made me use Progressive and when I sold the boat, & dropped the ins. big hassle. E-m's, phone calls, it cost me $$ to drop the ins. before the renewal came up!!

09-09-2015, 07:12 AM	#10
camp guy Senior Member Join Date: Apr 2004 Location: formerly Winter Harbor, still Wolfeboro Posts: 1,135 Thanks: 284 Thanked 480 Times in 271 Posts	Boat insurance Boat insurance can be tricky. My experience taught me that having insurance where you boat can be very helpful, and having a good relationship with the Agent is very helpful. Fortunately for me, I boated where I live, and had a local Agent for home, cars, and boat - the best of all worlds.

09-11-2015, 11:04 AM	#12
bostique Junior Member Join Date: May 2015 Location: Meredith, NH Posts: 18 Thanks: 83 Thanked 8 Times in 3 Posts	Boat Insurance I've been very happy with the service and pricing of BoatUS insurance for the past 12 years. Exceptional customer service and quick no-hassle claim service! As mentioned above, be sure to read up on Agreed Value vs. ACV (Actual Cash Value) policies. If you're only looking for liability protection, consider having it added to your homeowners policy to save some money. Remember that cheaper isn't always better.

The Following 2 Users Say Thank You to ishoot308 For This Useful Post:
RUGMAN (09-07-2015), winnasake (09-18-2015)

09-07-2015, 08:25 AM	#3
Dad sold the C * C Senior Member Join Date: Feb 2014 Posts: 273 Thanks: 119 Thanked 62 Times in 40 Posts	I went thru my agent at home, the price was about the same, and yes I was a bit surprised. One thing we did when we got the lake house was up our Umbrella policy, just seemed like a good idea for not a lot of money.

09-07-2015, 08:36 AM	#4
thinkxingu Senior Member Join Date: Jul 2014 Posts: 5,945 Thanks: 1,154 Thanked 1,962 Times in 1,212 Posts	We also use our regular agent, State Farm, who has been extremely easy to deal with. Haven't heard great things about Progressive, FWIW. Sent from my XT1528 using Tapatalk

09-07-2015, 09:07 AM	#6
Slickcraft Senior Member Join Date: Mar 2008 Location: Welch Island and West Alton Posts: 3,218 Thanks: 1,173 Thanked 2,002 Times in 915 Posts	Progressive Just got a new island boat (22' Eastern Lobster), local agent got quotes on adding to homeowners policy which was over $500 and Progressive was $217. I did get a small break on Progressive as my Harley is also covered by them however it still would be less than half the homeowners price. And Progressive has no layup period. BTW a few years ago someone accidentally damaged the Harley while it was parked. No problem dealing with Progressive, all taken care of with genuine HD parts at the dealer.

The Following 3 Users Say Thank You to Slickcraft For This Useful Post:
CooperS7777 (09-07-2015), DRH (09-07-2015), ishoot308 (09-07-2015)

09-07-2015, 06:21 PM	#7
Aguamenti Senior Member Join Date: Jul 2011 Location: MA/Tuftonboro Posts: 143 Thanks: 95 Thanked 36 Times in 21 Posts	Our home and cars are insured through USAA. When we bought the boat we found that USAA does not offer boat insurance - they have an affiliate program for that with Progressive. So that's what we got.

09-07-2015, 06:41 PM	#8
rowinghelmet Senior Member Join Date: Jun 2012 Posts: 60 Thanks: 0 Thanked 25 Times in 20 Posts	I've heard bad things about how Progressive handles claims. Charter Lakes (http://www.charterlakes.com/) and Boat US (http://www.boatus.com/insurance/) seem to have a sterling reputation in the industry. Make sure to read up on Agreed Value vs. ACV (Actual Cash Value) policies - http://www.cruisersforum.com/forums/...ies-57657.html

09-09-2015, 01:41 PM	#11
gf2020 Senior Member Join Date: Feb 2009 Location: North of Boston Posts: 203 Thanks: 11 Thanked 35 Times in 28 Posts	Happy with BoatUS for 7 years.

09-17-2015, 11:33 AM	#13
gnhdad Junior Member Join Date: Sep 2015 Posts: 2 Thanks: 0 Thanked 0 Times in 0 Posts	Progressive For those that have Progressive, any insight about which package you went with (they offered 3 during the quoting process)? The basic package didn't cover towing and/or uninsured boater coverage. Is it worth the peace of mind?

The Following User Says Thank You to ishoot308 For This Useful Post:
RUGMAN (09-17-2015)

09-17-2015, 12:34 PM	#15
Slickcraft Senior Member Join Date: Mar 2008 Location: Welch Island and West Alton Posts: 3,218 Thanks: 1,173 Thanked 2,002 Times in 915 Posts	The rate that I mentioned in post #6 includes uninsured boater, fuel spill and towing coverage.

09-22-2015, 09:46 PM	#16
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,032 Thanks: 1,211 Thanked 1,511 Times in 983 Posts	Progressive is OK I had a claim with Progressive. No problems whatsoever. I paid the deductible, they wrote a check to the marina and everybody was happy. Only took a few days for them to see the boat and wrote the check to the marina on the spot, I think. Progressive via USAA.

09-23-2015, 05:41 AM	#17
Donzi Minx Senior Member Join Date: Dec 2007 Location: Melrose, Mass. Posts: 189 Thanks: 0 Thanked 183 Times in 52 Posts	Boat Insurance Absolutely Boat US. Launched the lower unit over in the NW corner of the lake, not paying attention like a buffoon, but worked with the Ewings over at Dave's and all was put back together better than new. Ditto for a windshield replacement which was really hard to duplicate on the Minx.

10-10-2015, 06:00 PM	#18
jhnmdahl Junior Member Join Date: Feb 2015 Location: Twin Cities, MN Posts: 6 Thanks: 1 Thanked 0 Times in 0 Posts	Progressive's quote sounds about right, but be sure to check with whoever you use for auto or homeowners insurance - you may get a discount for having multiple insurance policies with the same company. Progressive and State Farm were close in price for me, but I have a good relationship with my State Farm agent and have heard a few so-so reviews of Progressive's claim handling (although there were many positive experiences as well), so went with my existing State Farm agent.

10-13-2015, 09:05 PM	#20
JasonG Senior Member Join Date: May 2006 Posts: 310 Thanks: 48 Thanked 45 Times in 33 Posts	ski safe. A rated, cheaper then geico.

10-14-2015, 04:03 PM	#21
Formula260SS Senior Member Join Date: Oct 2006 Location: NH Posts: 384 Thanks: 11 Thanked 76 Times in 51 Posts	Progressive vs. Boat US My Boat US policy came up for renewal and after reading this post decided to shop it against Progressive. Boat US for my 26' Formula and 16' Whaler was about $900.00. Progresive came in at $466.00 for both. I will say that the Boat US Policy has more detail in it and seems a little more geared towards costal boats to me. I did the agreed value option and went with standard 100/300. Having been on the lake a long time and the boats stay there my feeling is it's a low risk proposition for me personally. I have an impeccable driving record and do not indulge. No brainer for me......I just cut my costs in 1/2 thanks to the forum !!

04-09-2016, 10:42 PM	#22
Old Sarge Senior Member Join Date: Mar 2015 Location: Rochester, NH Posts: 150 Thanks: 106 Thanked 63 Times in 29 Posts	We went through our Allstate agent. We paid $500 but got a $250 deductible on a brand new boat 50K. Plus environmental and towing. I already had to use the insurance and was happy to have the $250 deductable.

04-10-2016, 12:04 AM	#23
kawishiwi Senior Member Join Date: Apr 2014 Posts: 519 Thanks: 227 Thanked 167 Times in 108 Posts	Progressively Progressive I started with Progressive auto ( thoroghly outstanding on 2 auto claims) added Condo insurance then finally boat insurance. Each policy by itself was best price I could find.

04-10-2016, 09:30 AM	#24
Hillcountry Senior Member Join Date: Apr 2016 Location: In the hills Posts: 2,346 Thanks: 1,591 Thanked 763 Times in 457 Posts	I just got 3 quotes from Progressive, Geico, and Skisafe (thanks to previous poster) and Skisafe is the best of the 3 and also includes freeze protection which the other 2 do not. I also recieved a nice email from SkiSafe about my quote. As an added bonus, so far I have recieved a dozen SPAM emails from everything from "senior dating to Terminix pest control as a result of seeking online quotes. To me that is the saddest part of using the internet today...as handy as it is, your information is sold immediately to the spammers. I do realize that when you seek something online there is ALWAYS some kind of fine print you have to agree to in order to get what you are seeking and to me that is just the most frustrating part of the WWW.

04-11-2016, 09:41 AM	#27
Flylady Senior Member Join Date: Apr 2006 Location: So. California & Lakes Region Posts: 256 Thanks: 225 Thanked 106 Times in 61 Posts	Progressive I have Progressive for Boat and Motorcycle. They have paid without problem on MC damage. Policy for boat is $288.00. BTW the way to avoid all the email junk when policy shopping is to avoid sites that are not directly related to the insurance company you are shopping.

04-11-2016, 10:14 AM	#29
Winnisquamer Senior Member Join Date: Aug 2015 Location: Winnisquam Posts: 408 Thanks: 72 Thanked 115 Times in 73 Posts	I use progressive some 2 cars, boat, and home. No issues with them and they saved me some cash when I switched to them.

04-11-2016, 11:58 AM	#30
joey2665 Senior Member Join Date: Sep 2008 Location: Meredith Bay & LI, NY Posts: 3,220 Thanks: 1,206 Thanked 1,007 Times in 648 Posts	Progressive!!!! I switched from Travelers to Progressive and saved 650.00 per year with greater coverage

04-11-2016, 12:43 PM	#31
Woodsy Senior Member Join Date: May 2004 Location: Weirs Beach Posts: 1,949 Thanks: 80 Thanked 969 Times in 432 Posts	I have all my stuff with Allstate.... $376! Give Chelsea Gaudet a call over in Tilton! She does a great job and has pretty competitive rates. 603.729.1170 Woodsy __________________ The only way to eliminate ignorant behavior is through education. You can't fix stupid.

04-11-2016, 06:17 PM	#32
Hillcountry Senior Member Join Date: Apr 2016 Location: In the hills Posts: 2,346 Thanks: 1,591 Thanked 763 Times in 457 Posts	I will probably go with SkiSafe as they are the only ones to contact me directly with a name and email on the other end. Their quote is quite, inexpensive at $147 for a year but I'm only insuring a 19 foot bow rider.

04-14-2016, 01:22 PM	#33
JasonG Senior Member Join Date: May 2006 Posts: 310 Thanks: 48 Thanked 45 Times in 33 Posts	Geico. Best rate for me. Boat insurance is one of the last things that are relatively cheap these days. Everyone seems surprised when they get a quote.