Boat insurance recommendation

Discussion in 'Boating Discussion' started by stickandstay, Jan 20, 2019.

  1. stickandstay

    stickandstay Member

    Location:
    Orange County
    Name:
    JW
    Boat:
    no
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    Who’s happy with there boat insurance. Need to make a decision soon

    Thanks in advance, stickandstay
     
  2. Capt.C.Delany

    Capt.C.Delany Club a Sea Lion, not a Sandwich.

    Location:
    No Grave But the Sea
    Name:
    Hugh Jassole / The Porcelain Punisher
    Boat:
    Paddy Wagon 24' Skippy
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  3. Cy Bodden

    Cy Bodden Been there done that

    Location:
    Escondido, CA
    Name:
    Cy
    Boat:
    Parker 2120
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    I have BoatUS 2016 Parker 2120 Yam175 I pay 440 yearly. They do cover down to Punta Banda with an additional rider. I work at AAA and with my discount didn't come close.
     
  4. dwr@c

    [email protected] Member

    Location:
    Newport
    Name:
    Dave
    Boat:
    28 Farallon HOOKED
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    I have Boat US. Seems fine
     
  5. ShadBurke

    ShadBurke I've posted enough I should edit this section

    Location:
    Carlsbad
    Name:
    Shad Burke
    Boat:
    22' Boston Whaler Guardians
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    If you are under a specific size, maybe 30ft, AAA.

    My 22' Boston Whaler full coverage with Yamaha f350 is $127/year.
     
    Tony O'Connell likes this.
  6. matt86m

    matt86m Not worthy of a Title

    Location:
    Fountain Valley, CA
    Name:
    Matt
    Boat:
    20' Tiara Pursuit
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    AAA for us
     
    Groper and sueno like this.
  7. Bhoff

    Bhoff Newbie

    Location:
    San Diego
    Name:
    Brandon
    Boat:
    Robalo
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    AAA for me as well.
     
    sueno likes this.
  8. dwr@c

    [email protected] Member

    Location:
    Newport
    Name:
    Dave
    Boat:
    28 Farallon HOOKED
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    Time for me to shop around !
     
  9. Hebby

    Hebby Member

    Location:
    Torrance, CA U.S.A.
    Name:
    Graham Hebson
    Boat:
    1990 Jersey 36 - Teaser
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    I can help you if you decide shop. I'm a broker and have several markets available I can price for you. 310-740-0588 is my cell. I have Travelers on my boat, which includes mechanical breakdown coverage for engines and generator.
     
    Last edited: Jan 22, 2019
  10. UnBelievable

    UnBelievable F.V. UNBELIEVABLE

    Location:
    Mission Bay San Diego Ca. USA
    Name:
    Norm Campbell
    Boat:
    UnBelievable
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    AAA FOLKS call your agent to see if you have coverage in Mexican waters. May be in for a surprise.
     
    Last edited: Jan 22, 2019
    Bhoff and sueno like this.
  11. Blackfish

    Blackfish Fishing, a perpetual series of occasions for hope.

    Location:
    In a Pineapple, under the sea.
    Name:
    Lee Obvious
    Boat:
    50' Hatteras
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    I use Boat US (which now Geico) on both my boats, and AAA on my sea doo's.
     
  12. bayfisher86

    bayfisher86 Well-Known "Member"

    Location:
    Fountain Valley, Ca
    Name:
    Aaron
    Boat:
    Parker 2310WA
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    Ben Green Insurance is who I use, he’s been great and very accommodating. I got a great rate and coverage on my boat, trailer, and all my fishing gear. Ben is an angler himself and takes care of tons of anglers and pros. Check him out at www.bengreenins.com
     
  13. Groper

    Groper I'm not that guy.

    Location:
    92886
    Name:
    Bill
    Boat:
    2550 May-Craft PH
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    I'm taking delivery on my new 2550XL May-Craft at the end of this week, I have Ins. on my 29 Nordic Deck from a guy out of Tx and my premium is $1300 :eek: the same guy quoted me over $800 for the May-Craft :( at that time I had 3 boats on one policy, I have since sold/traded one of the 3 boats :D

    I called AAA where I have several vehicles insured and I was told that AAA won't insure a watercraft because I don't have a homeowners policy with them HUH :confused: AAA combines your Homeowners & Watercraft together on one policy go figure :rolleyes:

    The good part, I just called BoatsUS and got a policy with up to 300k/300k and towing up to a 100 miles out for $398+$10 for Towing :D
    So I didn't just save 15% by calling Geico but it was more than 50% so this weekend I blow the money I saved at the Fred Hall show in Del-Mar :beerbang:
     
  14. Trayscool

    Trayscool Captain

    Location:
    Long Beach
    Name:
    Travis
    Boat:
    NO BOATS
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    Boat US

    Our insurance is $300 a year $16K declared value and comes with FREE TOWING

    There is no other option IMO
     
    Groper likes this.
  15. jgf

    jgf Member

    Location:
    Glendora CA
    Name:
    Jason
    Boat:
    Cabo 216
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    I've called BoatUS 3 times this week (bought and sold boats). Every single person I talked to was over the top nice, patient and knowledgeable. Pretty refreshing. My Cabo is $398 with unlimited towing.
     
    Groper likes this.
  16. Carpfisher

    Carpfisher Chief Cook & Bottle Washer

    Location:
    Carpinteria
    Name:
    Paul
    Boat:
    226 Cabo Cuddycon, 16' Bayrunner
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    Was Boat US, 335 I think. They tried to jack me to 800. NOT !!
    Called AAA, was told they did not insure boats over 5 years old .
    Probably same lady that told you no homeowners insurance, no insure. I think she is wrong about that. Last week, I called AAA again as I'm in the middle of a repower. Asked about the 5 year thing and that we USED to have homeowners insurance and everything insured thru them and now it was only roadside service that we had. She reassured me that they would be glad to help and quoted me 441. 35K value on my 226.
    I'll be calling Gary at Twin Rivers today
     
  17. Canyon

    Canyon Mover

    Location:
    Santa Barbara
    Name:
    Colin
    Boat:
    Anderson 22'
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    Ex-Boats US, now AAA.
     
  18. Groper

    Groper I'm not that guy.

    Location:
    92886
    Name:
    Bill
    Boat:
    2550 May-Craft PH
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    I'm not surprised about having to have a homeowners policy in order to write a watercraft policy as they want to sell you all of their products.
    I thought $398.00 w/ $87k stated value and a $300/300k coverage is fair my other Boat is $1300.00 w/ $125k stated value w/$400/400k coverage. It was $17 to go from $100k to $300k $17.00 is worth it to me a $100k doesn't cover much when things happen.
    I did ask a few questions about covering electronics and gear and was told there would be a total replacement at retail costs to replace in addition to trailer a replacement of $5k.
    As for Mexican waters are concerned there is an additional fee prior to entering Mexican waters and to call 24hrs in advance to add coverage.
    Roadside assistance is also included with BoatsUS as AAA won't touch a trailer unless you have RV coverage with them as I found out when I had a blowout a few years ago, I even tried to upgrade my coverage over the phone and the lady said "NO" so after having a AAA card 42yrs that I never used I did not renew it.
    I had a towing Co. bring me a tire swap out the blown tire and install a new one for a $100.00 on the side of the road without removing the wheel from the trailer, I had just purchased the Boat and was bringing it home when it happened there was a wheel lock on the wheel, I guess the seller forgot to give me a lug key. :(

    I'd like to see what Gary's policy looks like compared to BoatsUS & AAA.
     

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