[C320-list] Insurance survey

[Richard A. Walker]

Russ and interesting idea.  I have found that the big items are:

1. The waters, for example in our case from Point Conception CA to Ensenada
Mexico.  The coverage is much more along the California coast north of Point
Conception and to the coast of Mexico to the south.  We do not have
hurricanes. 
2. Sailing experience.  USA give a deduction to those with Coast Guard
Licenses, Qualifications such as Officer of the Deck or Commanders of Naval
War Ships, etc. since they have by law passed the tests for navigation,
rules of the road etc.  It does not mean that they are good sailors but do
have sea experience.
3. Obviously deductions and personal labiality coverage.

A) Year of boat, 2000
B) Location, San Diego Bay
C) Insurance Co., USAA
D) Annual Premium, $786
E) Anything - This covers $117K property damage, $300K liability, $10K
medical, $300K uninsured Boater, and other things like personal property,
towing.

Cheers,
 
Dick Walker
740 Olive Ave.
Coronado, CA 92118-2136
619.435.8986
-----Original Message-----
From: C320-List-bounces at catalina320.com
[mailto:C320-List-bounces at catalina320.com] On Behalf Of hcreech at comcast.net
Sent: Monday, April 17, 2006 9:19 AM
To: C320-List
Subject: Re: [C320-list] Insurance survey



--


 -------------- Original message ----------------------
From: Russell Monaco <russgm at yahoo.com>
> I was wondering with such a large group what the situation is with boat 
> insurance.  Since we all have the same boat, and they are mostly within 10
years 
> of age of each other, theoretically we should all pay about the same thing
for 
> insurance(if we were in the same place).  But I bet alot of differences
exist, 
> maybe this is some way we can figure out if one company treats us better
than 
> another, and of course we can also figure out what some of the
geographical 
> differences are, I have a feeling people on the Great Lakes pay alot less
than 
> people in Florida as one example.  I have a feeling Liability
coverage/premium 
> differences won't be so great, or such a big component in our policies (at
7 MPH 
> we don't do much damage) but I think most of our premium is of the boat
being 
> damaged by weather variety..  So feel free to pull out your most recent
bill and 
> let us know the following:
>   A) Year of boat, B) Location, C) Insurance Co., D) Annual Premium, E)
Anything 
> else I didn't think of.
>   Maybe we could even negotiate a group rate???
>   Russ Monaco
>   Commodore C320IA
>    
>   PS-I just thought of this, so I can't provide my data until I get home
tonight 
> (in case you were wondering why I didn't volunteer the first piece of
data).
> 
> 			
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1)1999 2) Middle River, MD 3) $410 annually 4)Full replacement coverage, I
also have my auto and homeowners with them, therefore a lower rate.  I have
had 3 claims since I have owned the boat, they handled them very
satisfactorily and very professionally.


Sincerely
Herb Creech
Cloud Chaser #606

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