Boat insurance?

[MCG1]

Progressive paid off quickly and fairly when my boat had to be salvaged from a lake bottom due to a poor rescue effort from the Coast Guard and Fire Department.

["D"]

All State agreed to price. All State treated me right when my 5th wheel was destroyed in a hurricane. Paid total and was in the bank in 4 days. When I made a $1000 plus claim on my boat , no problems again. I now have cars, boat and house with them. My prior home insurance bellied up after the same hurricane that killed my camper, although they treated us right, I had to find another company. All State had the best price. I do shop every couple years to make sure I am still getting good prices. All State still is my best option.

[mikey16335]

I've had Erie since 1977. No claims yet, but have seen how others were treated by the company.
Couple of suggestions-
1. Be careful of the agent you deal with, some are very good and some I would only recommend to someone I didn't like.
2. Don't add boat to home owners. Get a separate inland marine policy. Better coverage and more options.
3. Keep the liability part high. The waterways are getting more dangerous every year. Drugs and alcohol are everywhere.

Good luck
Mike

[Tom 513]

I was rear ended a few years ago & I done pretty good. They had all state insurance. After low balling me I told them I wanted to have my own marine surveyor there when theirs was so we could agree on things & they were going to pay me for my stuff or we’d go to court just which ever one they wanted. Called me back in 15 minutes ready to settle & done me good I thought.

Yes, I dealt with a nc community called Collision consultants they gave me a value no charge

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[Tom 513]

Ill check into them, they are local

[Tom 513]

Am Fam has done declared value for my boat for years and no issues. Never had a total but did lose a trailer axle and a lower unit, different times but years ago.

I will check into them, they are a local company too.

[Tom 513]

I have Erie and I have been really happy with them. I haven't used a claim on boat yet, but a couple of auto claims and home claim went sound and easily and was took care of quickly. Would think a boat claim would be just as easy and quick. My best advice is to make sure you have a good agent. Insurance is only as good as the agent you have representing you. I personally wouldn't have a agent that I didn't already know on a first name basis.

Yes I read up on Erie, they are big in boat insurance but still dont know if they do agreed value.

[Tom 513]

Progressive sounds like they are worth checking into, but I thought I read they will only do a agreed value for 1-5 year old boats?
All state could be in the running too

[Tom 513]

I have had Farm Bureau all my adult life. No reason whatsoever to change. I was recently involved in an auto accident. I visited numerous body shops in the Chattanooga/Ooltewah area. And the first question asked was which insurance company. They ALL stated upfront that they would not take the work if the insurance companies were Progressive and Liberty. I promise you this is the truth.

I would think many more autos would be repaired after a accident, where as a boat would be less likely to be rebuilt. I dont see where many boat accidents would call for body work, heck all that was wrong with my boat was the wench strap loop was pulled down and got all whopper jawed. I could of easily kept the boat and probably ran it for 20yrs, but it wasnt worth the risk.

[Snubby]

Progressive sounds like they are worth checking into, but I thought I read they will only do a agreed value for 1-5 year old boats?
All state could be in the running too

My boat is a 91' purchased in 2018 so unless something has changed I don't think that's true. I originally tried to get insured through BoatUS, but they wouldn't offer an agreed value policy.

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