My new boat is coming for spring and need to look for new insurance,I'll be sailing her here in ny most of 2007 and than moving to port charlotte florida in 2007 /2008.I want a insurance company here in ny but also are in florida for when I move any suggestons like maybe progressive.
Boat Isurance,NY to Florida
- Thread starter nick8481
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Two ideas
Check with Boat US, and see if they will sell you the local insurance for your needs there, then a one-time trip insurance for the move to Florida, and then local insurance for Charlotte Harbor area. (State Farm might have a similar deal). Or, if you are going to do a lot of cruising, check with Blue Water Insurance and see what they can do. I dunno what they do on the East Coast but out here on the left coast they handle of lot of Californina/Mexico cruisers. S. s/v/ Good News
Check with Boat US, and see if they will sell you the local insurance for your needs there, then a one-time trip insurance for the move to Florida, and then local insurance for Charlotte Harbor area. (State Farm might have a similar deal). Or, if you are going to do a lot of cruising, check with Blue Water Insurance and see what they can do. I dunno what they do on the East Coast but out here on the left coast they handle of lot of Californina/Mexico cruisers. S. s/v/ Good News
Second Boat US
but ask to speak to an underwriter and get past the customer service folks that answer. The underwriters will discuss cruising areas and the cost of each. They will prorate between the areas and can give you a rider for the trip n/s. Very helpful when you get to them, the CRS's don't always understand the broader issues.
but ask to speak to an underwriter and get past the customer service folks that answer. The underwriters will discuss cruising areas and the cost of each. They will prorate between the areas and can give you a rider for the trip n/s. Very helpful when you get to them, the CRS's don't always understand the broader issues.
Is it a company or agent
you are asking about? With some exceptions, most underwriters are national and can write insurance in and for U.S. waters. Unless you actually find someone who's opinion you can trust and who has also moved as you plan, it's probably more prudent for you to talk with several underwriters (i.e., not BoatUS) to compare coverages and rates as no single agent will know both areas - the underwriters will. BoatUS is not an underwriter Don
you are asking about? With some exceptions, most underwriters are national and can write insurance in and for U.S. waters. Unless you actually find someone who's opinion you can trust and who has also moved as you plan, it's probably more prudent for you to talk with several underwriters (i.e., not BoatUS) to compare coverages and rates as no single agent will know both areas - the underwriters will. BoatUS is not an underwriter Don
Claims?
Check with good folks who have had legitimate claims with the great boat us... Progresive, Haggerty, Allstate, and many, many more are out there, but since Katrina ALL boating carriers are gun-shy and not too willing to take many chances. Meaning, more surveys, higher rates, and less coverage, especially for older vessels. This 'Katrina effect' has trickled down all over N America. Good Luck
Check with good folks who have had legitimate claims with the great boat us... Progresive, Haggerty, Allstate, and many, many more are out there, but since Katrina ALL boating carriers are gun-shy and not too willing to take many chances. Meaning, more surveys, higher rates, and less coverage, especially for older vessels. This 'Katrina effect' has trickled down all over N America. Good Luck
Check with Allstate
When I was covered by BoatUS my rate increased when I went under the GWB on my way South from Buffalo, NY. Rate went from about $600 to about $1100. When I cross the Florida border it goes up to about $1800. I went to Allstate and got the same coverage for about $600. There was no increase as I went South. I insisted on a letter from the company explaining that they understood that while my home port was Buffalo I would be cruising in Florida. They did require a survey on my boat a 1994 Catalina 320.
When I was covered by BoatUS my rate increased when I went under the GWB on my way South from Buffalo, NY. Rate went from about $600 to about $1100. When I cross the Florida border it goes up to about $1800. I went to Allstate and got the same coverage for about $600. There was no increase as I went South. I insisted on a letter from the company explaining that they understood that while my home port was Buffalo I would be cruising in Florida. They did require a survey on my boat a 1994 Catalina 320.
Florida insurance
Nick: Prepare for a shock on FL insurance rates. Many of my friends have moved their boats to GA to reduce their costs Because of the past hurricane seasons (2006 aside) insurance costs in Fl are very high I suggest you insure you home, car and boat with same company to get a reasonable rate John
Nick: Prepare for a shock on FL insurance rates. Many of my friends have moved their boats to GA to reduce their costs Because of the past hurricane seasons (2006 aside) insurance costs in Fl are very high I suggest you insure you home, car and boat with same company to get a reasonable rate John
Car and homeowners...
provider can be lots of help in Florida. All my stuff is with Allstate and I have VERY reasonable rates for an agreeded upon hull value ($70,000) that I had a $2500 claim on after owning the boat 2 weeks. It covered a prop, strut and shaft with just $500 deductable. Transition from NY to FL may be a problem, but you already own your place in FL right? Talk to your homeowners policy holder.
provider can be lots of help in Florida. All my stuff is with Allstate and I have VERY reasonable rates for an agreeded upon hull value ($70,000) that I had a $2500 claim on after owning the boat 2 weeks. It covered a prop, strut and shaft with just $500 deductable. Transition from NY to FL may be a problem, but you already own your place in FL right? Talk to your homeowners policy holder.
Insurance Review
Practical Sailor did a review of boat insurance this past yr. Boat US came out very favorably and that has been my experience.
Practical Sailor did a review of boat insurance this past yr. Boat US came out very favorably and that has been my experience.
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