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Boat insurance worth it?
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   Fishing Boats, Motors, Trailering, Q & A or Discussion

Posted by Dirtroadhound
5/6/2018 6:45 PM
They paid the tow company directly and I paid for the repair on the trailer myself.
Posted by Crtay
5/6/2018 10:22 PM
I have it who is cheapest
Posted by pakjohn
5/19/2018 8:08 PM
I agree it's worth it, just insured my new boat with USAA (underwritten by Progressive) for 233.00 a year. Besides liability, comprehensive, and towing, it covers you if you break down on the water. I went over this in detail with the agent because I was going to buy a towing policy with Seatow or whatever they call it here because if you ever need them and are not a member look to pay hundreds to get pulled back to the dock. My USAA policy covers it for 30 dollars a year, pretty good stuff.

Posted by Backlash
6/13/2018 7:58 AM
Be sure to read policy, and in particular, what is NOT insured. Just to name a few:Does policy cover trailer? Is unattached personal property, such as rods,reels,tackle,etc. Boat damage in garage: does boat ins or homeowners cover? Loss towing. Who covers: auto or boat? Is coverage on boat,motor replacement or actual cash value? What about liability? How much comes with policy? Some tournament trails require $300M. Ins. Policies are not easy to read, but doing so and asking questions may save a lot. One other thing....does policy offer premium discount for having completed boating safety courses?
Posted by bullet02
6/13/2018 10:03 AM
Like backlash and others have said I would have it. But just make sure you know what is and isn't covered and how things will be handled when you do have a problem. I also left allstate for this same reason. I took my house cars boat and all and won't go back.
Posted by WaterChap
6/13/2018 11:11 PM
I’m with Geico Marine and it’s pretty cheap peace of mind. My policy covers everything and it’s pretty inexpensive. But I’m not running around in a $80,000 boat, either! My conversations with them and the material they send me is pretty easy to understand, which is important for confused person like me.
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