Boat Insurance

WinnisquamZ · 03-04-2020, 12:01 PM

Wondering what vendor you all use for boat insurance. My bill from Liberty M came and was just under $700. Looked into BoatUS a geico company and same coverage was $202. Hesitant to try. Recommendations?

Sent from my iPhone using Winnipesaukee Forum mobile app

ishoot308 · 03-04-2020, 12:10 PM

Quote:

Originally Posted by WinnisquamZ

Wondering what vendor you all use for boat insurance. My bill from Liberty M came and was just under $700. Looked into BoatUS a geico company and same coverage was $202. Hesitant to try. Recommendations?

Sent from my iPhone using Winnipesaukee Forum mobile app

Progressive by far had the best price for our three boats.

Dan

joey2665 · 03-04-2020, 12:40 PM

Quote:

Originally Posted by ishoot308

Progressive by far had the best price for our three boats.

Dan

Agreed I use progressive also, they additionally give great rates for sleds and ATV's

upthesaukee · 03-04-2020, 12:57 PM

I concur with Progressive as well. Good customer service and pricing.

Dave

ishoot308 · 03-04-2020, 01:57 PM

Quote:

Originally Posted by joey2665

Agreed I use progressive also, they additionally give great rates for sleds and ATV's

For my sleds, no one could touch Allstate...

Woody38 · 03-04-2020, 02:15 PM

We have had coverage with BoatUS forever. Price has been good and right now it is around $170 something. With no claims the deductible goes down every year. I don't recall but on the last boat (37' Egg) their price was way less than others. Not sure if AMICA will insure boats, they insure everything else and have been good. Homeowners is going up yearly. They gave me a commercial policy on condos we built on Cape Cod when they did not write commercial. They are good to perpetual customers. Maybe I should ask about the boat.

_____________________________________

I am a retired workaholic and continuing aquaholic

thinkxingu · 03-04-2020, 02:29 PM

We use State Farm for all our policies. I'm confident I could find cheaper alternatives, but my agent is awesome and they've always done right by me and my two brothers. I pay $152/mth. for two SUVs, our 20' pontoon, and a $1M umbrella policy.

Sent from my SM-G950U using Winnipesaukee Forum mobile app

Descant · 03-04-2020, 02:56 PM

I've been with USAA for over forty years, so I get a dividend in December and a senior member bonus in February. The USAA Brokerage places boats with Progressive, and Progressive always recognizes that relationship when I call, which is infrequent. To do a price comparison, you need to consider boat coverage ($10,00? $75000?, etc,) deductible, liability, additional coverages e.g. towing, med pay, personal equipment, electronics, lay-up clause and area of navigation. Some companies will add small boats to your homeowner policy super cheap. It's a little more complicated than car insurance, so just giving a $$ amount needs clarification. Service is really where to be, and that's hard to quantify.
I had a claim with Progressive several years ago. They did a good job. If you can qualify for USAA, it's worth a call to see.

8gv · 03-04-2020, 03:30 PM

I have Progressive for all my boats.

They are easy to deal with as a paying customer.

I have no knowledge of how the perform with a claim.

WinnisquamZ · 03-04-2020, 07:13 PM

Thank you to all who responded.

Sent from my iPhone using Winnipesaukee Forum mobile app

feb · 03-05-2020, 07:52 AM

Had a tree limb fall and crush the side of my pwc over winter. Claims came right out and I had a check in my hands within a couple of days. Took it to a local auto body shop, pleased with outcome, and no out of pocket extra $$ needed.

LIforrelaxin · 03-05-2020, 02:20 PM

My Boat policy is through progressive, and I use an agent out of Wolfeboro.... I have found the cost very reasonable, over the years. And no where near the 700$ the op states...

fatlazyless · 03-08-2020, 05:06 AM

Boats are just like cars, motorcycles, atv's and snowmobiles ...... you do not really drive a car, motorcycle, atv, or a snowmobile ..... what you drive is an insurance policy.

And, it doesn't really matter who you use for insurance ....... Geico, Progressive, Allstate or many other insurance companies ..... what matters is that you HAVE insurance (period).

Without good strong insurance ..... you simply should not be driving.

If you gonna be driv'n ...... you really need to be in-sured!

For windshield glass replacement ...... the best deductible amount is a deductible of zero .... because that Route 175 in Holderness and Ashland is so pot-holed and frost heaved ..... it will crack the windshield just from the vibrations. "Vibrations" is an accepted insurance reason for a cracked windshield. I hearby suggest that Rt 175 should be named the "zero deductible glass replacement highway" because driving that road will definitely crack your windshield!

The road has so many large cracks that it's tough to determine; are these frost heaves or are these pot holes?

So similarly, this applies to towing a boat that has a boat windshield on a boat trailer over that Route 175 in Holderness and Ashland ..... Route 175 will crack your boat's windshield, too. Is it possible to get a zero deductible for boat windshield replacement purposes?

Ok, so how does Allstate make insurance great again? Simple, Allstate makes insurance great again because Allstate has a local office in your town with a real person to talk to, as opposed to talking to someone over the telephone. Plus, Allstate will take photos of your boat after the collision ...... you just show up at their office with your boat! Like, what if you do not have a telephone, then how you gonna get insurance ....... you walk into your local Allstate office.

TiltonBB · 03-08-2020, 08:51 AM

Quote:

Originally Posted by fatlazyless

Ok, so how does Allstate make insurance great again? Simple, Allstate makes insurance great again because Allstate has a local office in your town with a real person to talk to, as opposed to talking to someone over the telephone. Plus, Allstate will take photos of your boat after the collision ...... you just show up at their office with your boat! Like, what if you do not have a telephone, then how you gonna get insurance ....... you walk into your local Allstate office.

Years ago, I had some rental properties insured with Allstate. I consulted with a different insurance agent and he found better coverage and higher liability limits for $1,200 per year less. I switched, and within a few days, the Allstate agent called. I explained what happened and he said "I could have done that". Yes, but you didn't.

Starting in 1988,and for several years after that, Allstate wouldn't do business in Massachusetts because of the tough insurance laws. My agent suggested that Allstate should change their name to "49 State".

dt5150 · 03-10-2020, 11:35 AM

i'm shopping around too. progressive jacked my rate up by $100 compared to previous years. i called and asked about the increase and was told it was basically due to their cost of doing business. i didn't care much for that answer so i'm going to get some quotes from other companies.

gwhite13 · 03-10-2020, 05:22 PM

Quote:

Originally Posted by TiltonBB

Years ago, I had some rental properties insured with Allstate. I consulted with a different insurance agent and he found better coverage and higher liability limits for $1,200 per year less. I switched, and within a few days, the Allstate agent called. I explained what happened and he said "I could have done that". Yes, but you didn't.

Starting in 1988,and for several years after that, Allstate wouldn't do business in Massachusetts because of the tough insurance laws. My agent suggested that Allstate should change their name to "49 State".

Mass. does have a great atty. general that watches out for the public. More states should do the same.

WinnisquamZ · 03-10-2020, 05:25 PM

Quote:

Originally Posted by gwhite13

Mass. does have a great atty. general that watches out for the public. More states should do the same.

Sarcasm? Please say yes

Sent from my iPhone using Winnipesaukee Forum mobile app

The Real BigGuy · 03-11-2020, 06:31 AM

Quote:

Originally Posted by WinnisquamZ

Sarcasm? Please say yes

Sent from my iPhone using Winnipesaukee Forum mobile app

You obviously don’t know much about Maura Heaney. If you did, you wouldn’t be questioning.

Sent from my iPhone using Winnipesaukee Forum mobile app

BroadHopper · 03-11-2020, 07:03 AM

But the twisted to auto insurance so what happened?

Had Met Life for decades for under $200, Comprehensive and work with your marina! Had to make two claims, one a tree branch fell on the boat, the second I hit a sunken log. Just call Met Life, make a claim and the marina and insurance company took care of everything behind the scene! Can't be happier!

My neighbor had another insurance company, $700 a year and they gave him sh1t when he tried to make a claim when his bilge pump failed and a downpour sank his boat. He has Met Life now!

As for auto insurance I switch ever two three years to take advantage of the teaser rates! Just be mindful of the coverage! Same goes for homeowners!
A lot of work but you save tons!

03-04-2020, 12:01 PM	#1
WinnisquamZ Senior Member Join Date: Dec 2016 Posts: 2,048 Thanks: 210 Thanked 652 Times in 435 Posts	Boat Insurance Wondering what vendor you all use for boat insurance. My bill from Liberty M came and was just under $700. Looked into BoatUS a geico company and same coverage was $202. Hesitant to try. Recommendations? Sent from my iPhone using Winnipesaukee Forum mobile app

03-04-2020, 12:57 PM	#4
upthesaukee Senior Member Join Date: Jan 2003 Location: Alton Bay Posts: 5,596 Blog Entries: 2 Thanks: 2,453 Thanked 1,979 Times in 1,080 Posts	Progressive I concur with Progressive as well. Good customer service and pricing. Dave __________________ I Live Here... I am always UPTHESAUKEE !!!!

03-05-2020, 07:52 AM	#11
feb Senior Member Join Date: Apr 2004 Location: Meredith (Winnisquam) & Nashua, NH Posts: 213 Thanks: 25 Thanked 20 Times in 17 Posts	Another for Progressive Had a tree limb fall and crush the side of my pwc over winter. Claims came right out and I had a check in my hands within a couple of days. Took it to a local auto body shop, pleased with outcome, and no out of pocket extra $$ needed.

03-05-2020, 02:20 PM	#12
LIforrelaxin Senior Member Join Date: May 2006 Location: Texas, Lake Ray Hubbard and NH, Long Island Winnipesaukee Posts: 2,870 Thanks: 1,037 Thanked 892 Times in 524 Posts	My Boat policy is through progressive, and I use an agent out of Wolfeboro.... I have found the cost very reasonable, over the years. And no where near the 700$ the op states... __________________ Life is about how much time you can spend relaxing... I do it on an island that isn't really an island.....

03-08-2020, 05:06 AM	#13
fatlazyless Senior Member Join Date: Apr 2004 Posts: 8,738 Blog Entries: 1 Thanks: 300 Thanked 1,007 Times in 735 Posts	..... that zero deductible glass replacement highway! Boats are just like cars, motorcycles, atv's and snowmobiles ...... you do not really drive a car, motorcycle, atv, or a snowmobile ..... what you drive is an insurance policy. And, it doesn't really matter who you use for insurance ....... Geico, Progressive, Allstate or many other insurance companies ..... what matters is that you HAVE insurance (period). Without good strong insurance ..... you simply should not be driving. If you gonna be driv'n ...... you really need to be in-sured! For windshield glass replacement ...... the best deductible amount is a deductible of zero .... because that Route 175 in Holderness and Ashland is so pot-holed and frost heaved ..... it will crack the windshield just from the vibrations. "Vibrations" is an accepted insurance reason for a cracked windshield. I hearby suggest that Rt 175 should be named the "zero deductible glass replacement highway" because driving that road will definitely crack your windshield! The road has so many large cracks that it's tough to determine; are these frost heaves or are these pot holes? So similarly, this applies to towing a boat that has a boat windshield on a boat trailer over that Route 175 in Holderness and Ashland ..... Route 175 will crack your boat's windshield, too. Is it possible to get a zero deductible for boat windshield replacement purposes? Ok, so how does Allstate make insurance great again? Simple, Allstate makes insurance great again because Allstate has a local office in your town with a real person to talk to, as opposed to talking to someone over the telephone. Plus, Allstate will take photos of your boat after the collision ...... you just show up at their office with your boat! Like, what if you do not have a telephone, then how you gonna get insurance ....... you walk into your local Allstate office. __________________ ... down and out, liv'n that Walmart side of the lake! Last edited by fatlazyless; 03-08-2020 at 06:59 AM.

03-04-2020, 02:15 PM	#6
Woody38 Senior Member Join Date: May 2016 Posts: 577 Thanks: 46 Thanked 110 Times in 81 Posts	We have had coverage with BoatUS forever. Price has been good and right now it is around $170 something. With no claims the deductible goes down every year. I don't recall but on the last boat (37' Egg) their price was way less than others. Not sure if AMICA will insure boats, they insure everything else and have been good. Homeowners is going up yearly. They gave me a commercial policy on condos we built on Cape Cod when they did not write commercial. They are good to perpetual customers. Maybe I should ask about the boat. _____________________________________ I am a retired workaholic and continuing aquaholic

03-04-2020, 02:29 PM	#7
thinkxingu Senior Member Join Date: Jul 2014 Posts: 6,212 Thanks: 1,167 Thanked 2,048 Times in 1,271 Posts	We use State Farm for all our policies. I'm confident I could find cheaper alternatives, but my agent is awesome and they've always done right by me and my two brothers. I pay $152/mth. for two SUVs, our 20' pontoon, and a $1M umbrella policy. Sent from my SM-G950U using Winnipesaukee Forum mobile app

03-04-2020, 02:56 PM	#8
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,339 Thanks: 1,339 Thanked 1,621 Times in 1,053 Posts	I've been with USAA for over forty years, so I get a dividend in December and a senior member bonus in February. The USAA Brokerage places boats with Progressive, and Progressive always recognizes that relationship when I call, which is infrequent. To do a price comparison, you need to consider boat coverage ($10,00? $75000?, etc,) deductible, liability, additional coverages e.g. towing, med pay, personal equipment, electronics, lay-up clause and area of navigation. Some companies will add small boats to your homeowner policy super cheap. It's a little more complicated than car insurance, so just giving a $$ amount needs clarification. Service is really where to be, and that's hard to quantify. I had a claim with Progressive several years ago. They did a good job. If you can qualify for USAA, it's worth a call to see.

03-04-2020, 03:30 PM	#9
8gv Senior Member Join Date: Jan 2012 Posts: 2,092 Thanks: 64 Thanked 744 Times in 478 Posts	I have Progressive for all my boats. They are easy to deal with as a paying customer. I have no knowledge of how the perform with a claim.

03-04-2020, 07:13 PM	#10
WinnisquamZ Senior Member Join Date: Dec 2016 Posts: 2,048 Thanks: 210 Thanked 652 Times in 435 Posts	Thank you to all who responded. Sent from my iPhone using Winnipesaukee Forum mobile app

03-10-2020, 11:35 AM	#15
dt5150 Senior Member Join Date: Sep 2011 Posts: 401 Thanks: 4 Thanked 107 Times in 72 Posts	i'm shopping around too. progressive jacked my rate up by $100 compared to previous years. i called and asked about the increase and was told it was basically due to their cost of doing business. i didn't care much for that answer so i'm going to get some quotes from other companies.

The Following User Says Thank You to WinnisquamZ For This Useful Post:
Hillcountry (03-10-2020)

03-11-2020, 07:03 AM	#19
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,570 Thanks: 3,205 Thanked 1,101 Times in 793 Posts	Thought we were talking about boat insurance. But the twisted to auto insurance so what happened? Had Met Life for decades for under $200, Comprehensive and work with your marina! Had to make two claims, one a tree branch fell on the boat, the second I hit a sunken log. Just call Met Life, make a claim and the marina and insurance company took care of everything behind the scene! Can't be happier! My neighbor had another insurance company, $700 a year and they gave him sh1t when he tried to make a claim when his bilge pump failed and a downpour sank his boat. He has Met Life now! As for auto insurance I switch ever two three years to take advantage of the teaser rates! Just be mindful of the coverage! Same goes for homeowners! A lot of work but you save tons! __________________ Someday may never be an actual day.