[C320-list] Insurance renewal

[Dave Hupe]

Sorry to relay this after reading other's input, but my boater's insurance is $186/year total ($15.50/month) from State Farm, bundled with our car and apartment renters insurance. Our premium was $473/year when we first insured it with them in 2017, but the rate dropped substantially after 3 years (still don't know why but didn’t want to question too much). I argued the initial high premium with them that didn't make any sense compared to a friend's younger/more valuable 320 at a lower premium.
Our 1994 boat value is listed at $48k, we have $500 deductible, $300k liability coverage, $1k medical insurance per person, $1k emergency service.
Dave Hupe 
1994 C320 #32
Holland, MI

Sent from Yahoo Mail on Android 
 
  On Fri, May 19, 2023 at 2:35 AM, Christopher Nichols via C320-list<c320-list at lists.catalina320.com> wrote:     I had my increasingly frequent sticker shock yesterday seeing my
  insurance renewal come in at just over 1800 bucks. For an inshore
  policy in NE US this appears rather high (and 400 more than last
  year).
  Is anyone else in a similar situation and importantly has anyone found
  a better deal?
  For background I have been with the firm since I bought the boat in
  2010 and have never had any claim. The boat is afloat for only 5 weeks
  a year for our annual cruise and lives in a dry storage shed inland for
  the rest of the year.
  Chris
  (C320 #476 AmandaRose)