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    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
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minneman

Boat insurance

Question

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.

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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.

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

State Farm Insurance.

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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.

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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.

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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.

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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.

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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.

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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.

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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 ?

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Valv,

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

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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.

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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

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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.

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

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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.

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