Boat Insurance

[kanda4]

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?

 

[kaydano]

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.

 

[TomS]

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.

 

[SEMPERFI8387]

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 .....

 

[Manitowish1]

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.

 

[BigKahuna]

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...........