[C320-list] Boat insurance question

[Jeff Hare]

I know I'm late to the party here, but we have home, Cars and Boat through State Farm.  I've been with them for 35 years.  Your rate obviously depends on where you're located and some other factors, but we pay about $30/mo for our boat insurance which is ~90k agreed on replacement value.  When we got hit by lightning 3 years ago they simply said file a claim online, send us a repair quote and they just paid the $20K bill up front minus our $500 deductible.  No adjuster, no haggling or getting multiple quotes, everything tracked and done through their online claim system.

We shopped around for other insurance a few times in the past and they were always like adding a couple teen-agers to your car insurance.

So, for us, it's a no-brainer.

-Jeff Hare

-----Original Message-----
From: C320-list [mailto:c320-list-bounces at lists.catalina320.com] On Behalf Of Onat Dogruer
Sent: Friday, May 19, 2017 9:09 AM
To: Catalina List <c320-list at catalina320.com>
Subject: [C320-list] Boat insurance question

Hello all,
I have been with BoatUS for 8 years for our coverage; never made a claim. This year they are switching me to Geico as well. With our recent move, I had just Chesapeake bay in the previous plan and now being forced to switch back to "Coastal and Inland Waters of the US and Canada" hence increase in premium. I find it very strange for them to force everyone to shift to this as cruising limit. The underwriters I spoke with at BoatUS haven't been very helpful and told me that there is no more just a Chesapeake limited coverage. 

I wanted to get your thoughts and experience if you heard the same. Alternatively, which insurance companies do you use?

Thanks,
OnatS/V Kittiwake1998, #546