[C320-list] Boat insurance question

Fri May 26 08:52:17 PDT 2017

Just another data point...  My 2017 bill from BoatUS/Geico is $569, AHV 
$55k, Liability $300k, Fuel/spill Liability $940k, Medical $1000 pp, 
Uninsured boater $300k, (Diminishing) Deductible $275 and Named Storm 
Deductible 5% of insured value ($2,750). Cruising Limits: Coastal & 
inland waters of US & Canada.

Fair winds,
Daryl

Daryl Hunt
s/v Believe 1999 C320 #660
Rochester, NY - Lake Ontario

On 5/26/2017 9:39 AM, millers1 at aol.com wrote:
> I have sent a couple of emails in the past and they just seem to get lost.... never
> making the 320 site:
> Try again
>
>
> My GEICO/BoatUS policy just arrived.  for 2017-2018:   $810.00
>
>
> It is pretty much the coverage's mentioned in some of the postings.
> $75K AV, 300K liability, uninsured boater 300K, etc....
>
>
> Not sure why the policy seems so expensive compared to other postings.
>
> I operate off the East coast in the New England area.  The policy has has no
> Named Storm deductible.... and has $250 of towing included.   I plan to ask about
> storm and towing to see if that is the policy driver...???
>
>
> Art     #680
>
>
> -----Original Message-----
> From: Timothy Woods <woodstimothya at gmail.com>
> To: C320-List <C320-List at catalina320.com>
> Sent: Thu, May 25, 2017 9:52 am
> Subject: Re: [C320-list] Boat insurance question
>
> I wish insurance was that cheap here. I ended up using Allstate because I
> live in Florida. For $850 a year I have a policy that won't require moving
> my boat out of state during hurricane season.
>
> 10,000 medical
> 300,000 liability
> 50,000 on the hull
>
> To add to the insanity I have a 1000 deductible and 20% on the hull.
>
>
>
> On May 25, 2017 9:13 AM, "Scott Westwood" <scottwestwood at bellsouth.net>
> wrote:
>
>> Sorry but I saw Jeff provided some costs but still wondering what else is
>> out there.
>> Thanks,
>> Scott Westwood scottwestwood at bellsouth.net H (919)-362-8538     C
>> (919)-618-7185
>>
>>        From: Scott Westwood <scottwestwood at bellsouth.net>
>> To: "C320-List at Catalina320.com" <C320-List at Catalina320.com>
>>   Sent: Thursday, May 25, 2017 9:03 AM
>>   Subject: Re: [C320-list] Boat insurance question
>>
>> Just asking but I will lay the rest out there.  We pay $417 /yr for this
>> coverage.
>> Any thoughts if paying too much?  I didn't see anybody else provide
>> costs.  Just what was covered.
>> Thanks,
>> Scott Westwood scottwestwood at bellsouth.net H (919)-362-8538      C
>> (919)-618-7185
>>
>>       From: Scott Westwood <scottwestwood at bellsouth.net>
>>   To: "C320-List at Catalina320.com" <C320-List at Catalina320.com>
>>   Sent: Wednesday, May 24, 2017 12:56 PM
>>   Subject: Re: [C320-list] Boat insurance question
>>
>> FWIW:We have Progressive.
>> This is our coverage.
>> Short version:75 nm from East and/or West coast (US and Canada waters
>> ONLY)Named Storm has higher deductible ($2,750 vs standard $500)
>>
>>
>> 1. Bodily injury- Limit- $100,000 each person/$300,000 each accident2.
>> Property damage Liability- Limit- $100,000 each accident3. Comprehensive-
>> Limit- Lesser of Actual Cash Value at time of loss (Ded-$500)
>>                Less Deductible or $55,000
>>            Named Storm -  (Ded - $2,750)
>> 4. Collision-  Lesser of Actual Cash Value at time of loss (Ded-$500)
>>                        Less Deductible or $55,0005.Included with
>> Comprehensive and Collision- Wreckage removal-Marine
>>                          Electronics  (Ded-$500)6. Coastal Navigation- 75
>> Nautical Miles NOTE: A Coastal limitation of 75 miles
>>        applies to this policy. Does NOT cover any territory or
>> territorial           waters other than US or Canada. (My wife spoke
>> to them and they said this is East and West Coast. No alternative
>> options.)7. Replacement Cost Personal Effects- $5,000 limit
>> Hope it helps.
>> Thanks,
>> Scott Westwood scottwestwood at bellsouth.net H (919)-362-8538       C
>> (919)-618-7185
>>
>>      From: Denny Browne <denny.browne at me.com>
>>   To: C320-List at Catalina320.com
>>   Sent: Monday, May 22, 2017 11:33 AM
>>   Subject: Re: [C320-list] Boat insurance question
>>
>> We use Global Marine, in MI, (800) 748-0224   . They were outstanding
>> when working through a claim for us a few years ago. Not sure how
>> competitive they are, but they were really great to work with. But as a
>> Berkshire shareholder and advocate, I am torn...
>>
>> Denny Browne
>> A Cappella #935
>> Sent from my iPhone
>>
>>> On May 22, 2017, at 7:40 AM, Onat Dogruer <onat_s at yahoo.com> wrote:
>>>
>>> Thanks for the feedback everyone! Just a bit more as I spoke with them
>> again - I am told that entire data system has been transferred to Geico.
>> Geico will maintain/process all aspects - while I was figuring this out, I
>> actually was transferred to a Geico rep. In the past, I remember
>> underwriting company changing from time to time but I don't remember ever
>> interacting with CNA et al. They are all Berkshire companies as someone
>> pointed out.  This time, it sounds like a permanent shift. I certainly
>> understand staying with an insurance company for the long-term but I had
>> wondered what made BoatUS different now compared to State Farm, Nationwide
>> or Travelers or Chubb... Clearly folks have great experience with them as
>> well.
>>> Sorry, I know this topic has nothing to do with Catalina 320s but I want
>> to make sure she is taken care of! :)
>>> Thanks,Onat
>>>
>>>       From: "clburti at gmail.com" <clburti at gmail.com>
>>> To: Jerry's Iphone <jellyroll02 at gmail.com>; "C320-List at Catalina320.com"
>> <C320-List at Catalina320.com>
>>> Cc: "c320-list at lists.catalina320.com" <c320-list at lists.catalina320.com>
>>> Sent: Monday, May 22, 2017 7:29 AM
>>> Subject: Re: [C320-list] Boat insurance question
>>>
>>> Boat US pays hassle free and fast for named storm haul out (common
>> occurrence here in NC and no issue for all year slip storage. Deductible
>> reduced by 20% for each claim free year.
>>> Thanks,
>>> Chris Burti
>>> Farmville, NC
>>>
>>> From: Jerry's Iphone
>>> Sent: Monday, May 22, 2017 7:13 AM
>>> To: C320-List at Catalina320.com
>>> Cc: c320-list at lists.catalina320.com
>>> Subject: Re: [C320-list] Boat insurance question
>>>
>>> I have been insured by ACE Marine Insurance since buying our 320. I have
>> not shopped it for a couple of years but have been delighted with the
>> coverage and service. Unlike some plans, we are covered if we leave the
>> boat in the water during the winter months. They have paid hassle free
>> twice for named storm haul out.  The boat yard we use says others with boat
>> us were having difficulty with haul out coverage for some reason.
>>> I used to be in insurance and I can tell you it pays to shop around and
>> ask around.
>>> Jerry Sheets
>>> JellyRoll  #890
>>>
>>>> On May 19, 2017, at 9:31 AM, Doug Treff <doug at treff.us> wrote:
>>>>
>>>> Interesting. My policy is up for renewal end of July. If they jack me
>>>> up, I will have to shop around. Thanks for the information!
>>>>
>>>> I've not been totally happy with their service anyway, after having a
>>>> claim denied last year. They were once considered one of the best, now
>>>> with the move to Geico, they're just another insurer in my eyes.
>>>>
>>>> --
>>>> Doug Treff
>>>> doug at treff.us
>>>>
>>>>> On Fri, May 19, 2017, at 09:09 AM, Onat Dogruer wrote:
>>>>> 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
>>>>>
>>>
>>>
>>
>>
>>
>>
>>
>>
>

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