insurance

[johndan62]

I live in Fla and just recently bought a 31' Hunter and have found the insurance rates for boats over 26' to be very pricey. Any suggestions?

Secondly, I need to replace the plastic exterior window trim pieces. Any suggestions where I can find replacements?

 

[patrick nannery]

I'm in Ft.Lauderdale and found Progressive to be the cheapest. Cant help with the pllastic.

 

[Joe Mullee]

Maybe Consider A Higher Deductible

In my area many companies wiil give a standard quote based on a $250 or $500 deductible. If you go to say a $1000 deductible the discount in premium may be as much as 15-20%. A $2000 deductible could be as high as a 30% discount. Considering that you don't want to submit small claims anway the higher deductible may be something worth considering.

Good luck.

Joe Mullee

 

[Steve Dion]

John: I believe that the SE Coast is still paying for all of those very destructive hurriances that you have had over the past decade.

BoatUS is insuraning a H31 for an agreed upon value of $30k on the west coast for approx $300/yr. After the first year they also pass along a discount for no claims.

Be sure that if you are getting a policy that is for an agreed upon value.

 

[seadaddler]

Coast guard auxillary

Look into coast guard auxiliary in the peace river they can save half the price,I would have done it my self but they only insure up to $100,000.
I now have progressive and had them in Ny but are paying more than double here in SW Florida,my boat is 2007 H-36 so the higher the worth the boat the harder they bang you.
I will be pricing around when it is do for renewal,if any one has this same problem with newer pricey sailboats let me know where to go,if you own a sailboat worth 160,000 and have a good insurance let me know they are killing me.
I was afford half the price I pay now but no storm coverage and I said are you and crazy or just plain nuts.
I guess you really pay for living in Paradice
Nick

 

[mark_swart]

I am with Progressive also -- but where I am (inland) it isn't that expensive, I think it's $50/month for full coverage and a fairly high deductible. I believe location is to blame for those high rates.
-Mark

 

[Nereussailor]

I guess it depends on what coverages you're looking for. I just insured my H30 with Progressive for around $790 a year. I didn't think that was too bad. full coverage was around $1500. If you own your own home, check with your insurance guy about adding it to a homeowners policy. Sometimes it's cheaper that way. Some homeowners policies will do that up to a certain size boat.