Boat Insurance
 

was wondering what kind of boat insurance people had think mine is to much. just trying to see if i need to change so what do ya'll have and how much do yall pay thanks.

I sell it all but, suggest trying to get it from your primary insurance agent that handles your HO,Auto, ect. If you do not have a primary agent, give me a call and I will try to help you.

Raymond
337-478-4466

I have coverage with Progressive on 40,000 boat and 10,000 equipment and pay about $400 a year

progressive is who i need to call. thanks

I use farm bureau they are prety cheap and have great service. I will pay extra to know when I need them its not a hassle

Fixed it for Ya;)

my wife works at state farm in sulphur at Rick Fitts office and she sold me my boat insurance of course im sure im paying a fortune...i believe I pay 11$ a month and its like 15,000 coverage on my boat trailer motor and equipment and I also think there is some health included also not sure though I'll have to ask her tonight. pm me if you want to give her a call she can quote you over the phone I believe just to give you an idea.

this is my duck boat by the way

Progressive, 20K boat 300K liability 3K stuff in boat (rod, reels, tackle, electronics and tow from up to 75 miles from beach line. 350/ yr

W is that your coverage for your new Haynie? If so that sounds cheap!

I believe this is exactly what I have through progessive. I pay $312 per year.

YEP.... I have had boat coverage with Progressive about 10 years now...never one claim...

Ur deductible will make the diff premimum on Ur premimum.
Mine was 1000$, had to use it and it was not fun.
Changed it to 250 and my premimum went up 15$ mth. But id rather pay 15$ more a month and know that if I need to use my deductible it is just 250 and not 1000$.
Look at the entire policy... Not just the price.
Most of the people who say insurance companies ripped them off took the "cheaper policy" with less coverage instead of the "expensive policy" with the correct coverage.

Can I quote you on this, since it is so TRUE.;)

raymond how many times a day you hear that gripe...my wife always complains about the ones that she told them that they were undercovered and they said dont worry about it until something happened then they freaked out

I'm an agent with New York Life, it's takes sitting down and explaining the ACTUAL coverage they my clients HAVE and what they NEED.
Most of the people I have meet with don't even know what the face amount of their life insurace is or the kind.
BUT ...They absolutely know what the monthly premimum is.
Same with investments...
10% have it all together.
60% have no clue and just hope they will have enough in retirement.
30% are way to involved and stress to much .... Makin them impossible to work with..
Buy back tothe topic.
Make sure u choose the best policy based on coverage... Not price.....

x2 I also went with the $250 deductible.

I used to use Farm Bureau also. Emphasis on "used to"!

They were great until I need to have a claim filed on my truck. Then I found out just what they don't pay for. Dropped them like a hot potato!

I now have Progressive for my boat, which have been awesome so far. Went to State Farm in Jennings and got more coverage for $1100 less than what I was paying for HO, Autos, 4wheelers, etc.....

State farm is where I have my truck and boat. My uncle is my agent.
I have had a few claims on my truck. 2 were wrecks not my fault. 2 were hit and run. He and state farm handled it perfect. I never had to deal with anyone on the phone. They did all the work and got my truck fixed perfectly!
I'll keep my auto and boat with them as long as I own them.

I'll give Progressive a call....

I have BoatUS. $450/yr includes $38k boat and eqpt, $300 ded, $500k liab, $4k trailer w/$50 ded, w/ free towing, refueling and trailering roadside service. But I'm a new policy holder. I think it goes down every year. This is based on dry storage at Ellender's.

I have Progressive on my Chris Craft. It was damaged for Ike and they paid off with no issues at all. It cost me around $400/year for $100K liability and replacement of the boat if totaled, fuel spill cleanup cost and when I added my bay boat to the policy, they upped the cost $165/year more.
That ain't bad after having a $10K claim.

I have 25K coverage for $28 per month with Progressive @ a $500 deduct. Also, the nice part is every year you do not make a claim your deduct goes down by 25%. So after 4 years with no claim that is zero out of pocket to you. I have all of my other insurance with State Farm. Matter of fact they were like $2 cheaper a month but they do not have the 25% deduct thing per year like Progressive.

Progressive - their policy includes refueling, towing, trailer roadside service??? Just wonderin....callin' tomorrow....

They have towing and roadside service. Not sure about refueling.
I have to look when I get back home.

Progressive will send out a service vessel to refuel, but you pay for the fuel. Not the service vessle. But hey, if you was so stupid to not keep an eye on the fuel... why should they pay. Also if they did pay for fuel, how many people with big tanks would always run out of fuel. My boat take 85 gal to fill. See what I'm getting at. So @ 4.00 from service vessel / gal...$340.00 They wouldn't stay in buisness long doing that.

I have 15,000 worth of coverage and 100k liability with a 1000 deductible. 300 a year with all state. sounds like progressive is the way to go though, I'm going to check into switching myself

AAA roadside service doesn't fill your tank. They bring you 3 to 5 gallons to get you to the station.
I would think boat insurances would do the same.