Guests - If You want access to member only forums on HSO. You will gain access only when you Sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

Sign in to follow this  
Followers 0
minneman

Boat insurance

17 posts in this topic

which company do you prefer for insuring your boat and why?

I did a search for some info but the "search" on this site is totaly useless.

Share this post


Link to post
Share on other sites

I went with the same company that I have my home owners through. Makes things much simpler.

Share this post


Link to post
Share on other sites

I go through American Family. Replaced one boat for me and just repaired another. Have been great to deal with and they don't cost an arm and a leg.

Share this post


Link to post
Share on other sites

Same as my auto insurance for the ease of dealing with people I know and already deal with.

State Farm Insurance.

Share this post


Link to post
Share on other sites

I go through American Family. Replaced one boat for me and just repaired another. Have been great to deal with and they don't cost an arm and a leg.

I have AmFam for everything except (main) boat, and I will be switching to them for boat very soon. Rates are better for same coverage in the past year, not sure why, but they were not a few years ago. I currently have Angler Advantage, and (thankfully) never have used them, but they are a top notch company for boaters. I insurance shop/compare every couple/few years, and found AmFam is really good on price and so far on one hail damage claim.

A note - I took a Coast Guard Class on Boating/Seamanship about 13 years ago (while doing volunteer Sheriff Water Patrol training), and AmFam and Angler Advantage give a discount to people who have boating satefy certificates. I think it is good anyway for safety sake, and you learn ALOT even if you think you are experienced, but it also gets you 10%-15% off on your rates. Good deal to look into.

Share this post


Link to post
Share on other sites

I have state farm, I've never had to use it so I can't speak to their claim service. $6k in coverage (my old boat) is $90 per year, $10k in coverage (my new boat) is $150 per year.

Share this post


Link to post
Share on other sites

I have Anglers Advantage also. I've never had to make a claim, so I can't comment on thier service in that area.

2 years ago they had the best rates for the most coverage. It's always a good idea to shop insurance every 3 to 4 years.

If you fish any tournaments make sure your insurance will cover you, alot of the policies don't cover you in tournaments (even small local club tournaments) without a special rider.

Share this post


Link to post
Share on other sites

I used American Family for 26 years. House, cabin, two vehicles, and two boats. Service has been great although I have had very few claims. Only one major claim and that was hail/weather damage. They treated me wonderfully.

I recently competitively bid out all of my insurance policies to a number of national and local providers. What an eye opening experience. On an "apples to apples" basis the new provider I selected saved me over $1100. I made some tweaks to a couple deductibles and the savings went to over $1300. American Family wasn't the most costly provided but was on the high end.

I ended up having all my policies with Auto Owners. Its only been two months so I cannot comment on the service. However I sure like the savings.

Share this post


Link to post
Share on other sites

I'd stick with what you are comfortable with. I know you might save a few bucks here and there depending on your insurer, but I don't consider boat insurance relatively expensive anyways. I stuck with my auto insurer plainly because they've gone to bat for me in the past in regards to auto claims I've had.

Share this post


Link to post
Share on other sites

I just switched to Auto Owners also and it was just a few months ago so I cannot make a statement on claims. There rates are very reasonable, let's home the claim service is the same.

Share this post


Link to post
Share on other sites

I would discourage Auto Owners I am having some bad issues with them and my agent especially, in fact I just filed a complaint with the MN Dept of Commerce and will end up in court. I am in the process of switching everything over. Let's say if they can screvv you they will, anytime, but that's all insurance anyways.

I am going with Am Fam or State Farm, anybody knows about Safeco ?

Share this post


Link to post
Share on other sites

Valv,

Check out Illinois Farmers also. Good rates, good service. Been with them for years.

Share this post


Link to post
Share on other sites

I have everything through Am Family. I have made 1 claim on my home for storm damage and had a check in my hand less than a week later. I used to be with state farm (which was more expensive) and I ended up fighting tooth and nail with them over an auto claim which ended up going to court , and I won .

It's great to save a bit on the premiums but I am willing to pay a bit more for the customer support end,knowing if i do have something bad happen it will be taken care of without issues.

Share this post


Link to post
Share on other sites

I am going with Am Fam or State Farm, anybody knows about Safeco ?

Valv, Safeco has been pretty good for us for our Auto insurance. We had some hail damage recently and they had great customer support. They were just purchased by Liberty Mutual a few months ago; I believe they are planning on keeping the Safeco brand though. We have the boat and house insured through Chubb.

LB

Share this post


Link to post
Share on other sites

I have all of my insurance with Am. Family and been very happy with them for 20+ years and numerous claims including a $50,000 straight line winds claim.

Never an issue to date with them.

Share this post


Link to post
Share on other sites

State farm for all of our insurances... always been good to us.

Share this post


Link to post
Share on other sites

My advice is to get a local agent, preferably an independent who can get quotes from several companies. I have had numerous incidents where I can call Mike and ask whether it makes sense to make a claim - mostly the <$1,000 kid deals. I could have scored some bucks but Mike was able to tell me what the long term cost would be given the claim history. I don't think you can get that from some outfit you got on the computer.

Also every person that I have referred to Mike has come back and said that he's saved them money from their previous provider.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
Sign in to follow this  
Followers 0