boat insurance recommendations?

[Savage Brewer]

Wondering if you have any recommendations for insuring my boat.

I am just starting to shop around, and I heard that some insurance companies will not cover you if you are in a tournament, not that I plan on fishing a bunch of tournaments but would like to know I am covered if I am.

Also how do most boat insurers handle theft?

Including equipment inside the boat.

Thanks

[Ufatz]

Here's a tip. Call your local State Farm agent and read to him the post you just made.

Nuttin' to it.

[nofishfisherman]

I'd start by calling the insurance company that covers your car/home/other toys. Usually but always your best bet is to bundle your coverage in order to qualify for discounts. Although you'll want to make sure you can get satisfactory answers to your questions regarding tournaments and theft. If you don't like their answers then its worth looking else where despite any discounts you may get for bundling coverage. Bundling your coverage isn't always better if it leaves you unprotected, it may save a few bucks but it could cost more in the long run.

[Capt. H (Ret.)]

I bundle mine with my vehicle and home insurance and it costs me about $300 a year just for the boat, trailer and contents. I haven't had a claim in 22 years but it only takes one that involves personal injury and you'll find out that insurance is a necessary evil.

A boat is like a dark hole in the water that you throw money into but I look at it as enjoyment especially when I am enjoying being on the water.

Check out different insurance companies and then buy the policy that you are comfortable with.

Good Luck!!!

Mike

[Pat K]

I have my boat insured with Bob Luellen a World Wide Marine Ins.

Bob saved me 25% from what I was paying having it bundled with my car & house.

[harvey lee]

I have my boat coverage with State Farm. I had a theft of approx 300 crankbaits and they covered every one. I did have a $100 ded.

I will say this, if you have alot of gear inside your boat, add it all up and make sure you buy enough coverage to cover it all. Might be suprised how many doolars you have in everything.

They did ask for proof that I did have that many crankbaits. I did have current photo's of all my gear so that was not a issue at all but they did require for me to prove what I had stolen.

Take pictures of all your gear including the trolling motors and graphs so you can prove what you had on or in the boat. Then you should have no or way less issues with your claim if you have a claim.

I went over every item in or on the boat with my agent and then asked what type coverage I need to cover whatever if I were to have an issue.

I told him I do not want an answer like you did not have this for coverage if I have a claim.

Take your time and go over everything with your agent when you get the coverage to make sure you have what you want and need. That would be my best advice.

[JohnMickish]

I have my boat insured with Bob Luellen a World Wide Marine Ins.

Bob saved me 25% from what I was paying having it bundled with my car & house.

+1 here. If you don't at least give Bob a call you are doing yourself a huge disservice.

Bob is a fisherman and knows what the real cost of the stuff is.

Tell him I sent ya.

[Savage Brewer]

yeah, talked to my allstate rep (my current insurance) and it looks like tomorrow I get to sit in the garage and inventory my stuff.

going to be a big pain in the butt, but its gotta get done.

I will also call Bob to get a comparison.

[clKiekhafer]

It might be a pain the first time and it was for me as well, but every year I update my pictures with the new stuff I got. Updating goes much quicker.