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Boat Insurance

Discussion in 'Southwest U.S.' started by kanda4, Jun 14, 2013.

  1. kanda4

    kanda4 Member

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    Location:
    Frisco, TX
    New to boating and learning as I go. Nice to have a forum like this to bounce questions and ideas. Okay, picking up my boat in a few weeks and got to get it insured. Any tips or suggestions here? Any suggestions on agents in the DFW area?
     
  2. kaydano

    kaydano Well-Known Member

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    If you want the lowest cost, you'll just have to shop around.

    If you want excellent coverage, especially on oil spill clean-up, check out BoatUS. http://www.boatus.com/insurance/

    I had All State until I learned my coverage for oil spill clean-up was $100. That's not the deductible, that's the actual coverage limit. BoatUS covers the max liability by law, which is in the $800,000 range. My guess is Semper will list the actual amount before anyone else reads this. I switched to BoatUS immediately. The policy wasn't much more than All State, but I felt the coverage was far superior, and that's why you buy insurance, isn't it?

    My 2 cents.
     
    Last edited by a moderator: Jun 14, 2013
  3. TomS

    TomS Well-Known Member

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    Location:
    Sanibel FL
    Search the many threads here already on insurance as there is a lot of good information. Boats have very special needs and require some knowledge by the agent. I switched to Boat US and am happy so far.
     
  4. SEMPERFI8387

    SEMPERFI8387 Moderator

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    Location:
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    Ditto on what kaydano said about Allstate. I thought it was a typo on my policy.

    It is $854,400 fuel spill coverage on BOATUS ..... :)
     
  5. Manitowish1

    Manitowish1 Well-Known Member

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    Location:
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    My 2 cents, is to check with the agent that insures your cars, home, etc. I looked at Boat U.S. and while the spillage coverage is great, I weighed that against the fact that if I had the Benny covered by my "regular" insurance company my $4M umbrella policy extended to my new Benny as well.
     
  6. BigKahuna

    BigKahuna Well-Known Member

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    Location:
    North Carolina
    I agree w/Manitowish, we have EVERYTHING we own insured through Erie insurance group and we get a very healthy discount. Plus we've been w/them for about 29 yrs. now...........
     

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