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Max Online: 36273 @ 01/23/13 02:34 PM
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#10815011 - 05/03/15 08:29 AM do i really need boat insurance
sleeper Offline
Angler

Registered: 08/08/04
Posts: 389
Loc: East texas
i have paid off my used ranger reata i bought 2009 model about 22000 dollar value.. i dont fish tourneys.. i dont go in unfamiliar waters and take family out about 8 times a year to ski etc.... feel like im throwing money away.. policy is 350 per year with 250 deductible with farm bureau

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#10815086 - 05/03/15 09:04 AM Re: do i really need boat insurance [Re: sleeper]
ssmith Online   content
Extreme Angler

Registered: 11/22/07
Posts: 2518
Loc: scotland tx
you will think you are throwing money away until you have an accident or have someone have a freak fall an then see what happens there is too many folks out there looking for thier next person to take legal action against.

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#10815542 - 05/03/15 03:11 PM Re: do i really need boat insurance [Re: sleeper]
Flippin-Out Offline
Extreme Angler

Registered: 02/25/15
Posts: 1564
Loc: Magnolia, TX
If you wish, you should be able to drop physical loss coverage on the hull/motor and just keep a personal injury/liability policy. This can help protect you if there is a collision/accident that results in legal action.

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#10816384 - 05/03/15 10:44 PM Re: do i really need boat insurance [Re: Flippin-Out]
brandon f. Offline
Extreme Angler

Registered: 03/01/08
Posts: 2612
Loc: Nacogdoches
Originally Posted By: Flippin-Out
If you wish, you should be able to drop physical loss coverage on the hull/motor and just keep a personal injury/liability policy. This can help protect you if there is a collision/accident that results in legal action.


What he said. If you arnt concerned with the property damage. At least keep the liability insurance for your own personal sake.

Also raise your deductible to 1000! That should drop your insurance a few bucks.
_________________________

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#10816738 - 05/04/15 08:34 AM Re: do i really need boat insurance [Re: sleeper]
SkeeterRonnie Offline
Pot stirrer

Registered: 02/25/03
Posts: 52571
Loc: Forney TX
One wrong stump to the lower unit and you will wish you had carried insurance. Besides, what if something happens to someone in your boat... Wouldn't you want coverage? Insurance is the smart thing to do
_________________________
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2016 RHBC AOY

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#10818585 - 05/04/15 07:46 PM Re: do i really need boat insurance [Re: sleeper]
sleeper Offline
Angler

Registered: 08/08/04
Posts: 389
Loc: East texas
Thanks for responses. Im gonna keep insurance on it

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#11193305 - 10/29/15 08:27 AM Re: do i really need boat insurance [Re: sleeper]
BoatRx Offline
Pro Angler

Registered: 04/19/06
Posts: 926
Loc: Gainesville, Texas
I paid my boat off and of course, kept the insurance. A year later found a stump at fork and did 6 thousand in damage to the hull. 325.00 for the year vs 6000.00 lump some? I think Ill keep on paying it!!!


Edited by BoatRx (10/29/15 08:27 AM)
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Jeff Ivie
Service Manager
North Texas Marine
2520 E. Hwy 82
Gainesville, Tx 76240
940-665-9331
jeff.ivie@northtexasmarine.com
http://www.northtexasmarine.com

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#11193359 - 10/29/15 08:47 AM Re: do i really need boat insurance [Re: sleeper]
Abbott Offline
Outdoorsman

Registered: 07/05/11
Posts: 40
Just bought a boat. Who is the best to get insurance thru?

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#11195757 - 10/30/15 12:50 PM Re: do i really need boat insurance [Re: Abbott]
PlanoKeith Offline
TFF Team Angler

Registered: 01/13/11
Posts: 3428
Loc: Plano Texas
Originally Posted By: Abbott
Just bought a boat. Who is the best to get insurance thru?

Contact Worldwide Marine Underwriters today!

Call: 800-339-1235

Fax: 517-627-3355

Bob Luellen - Marine underwriter and producer, and a 20-year insurance veteran with over 25 years of knowledge in the marine industry. He is the founder of Worldwide Marine Underwriters Inc.

Diana Weber - Office manager, marine account manager, and certified insurance service representative (CISR)

Bill Stehouwer - Marine underwriter with over 25 years in the marine industry

Amber Clark - Customer Service Representative

Hanna Weber - Customer Service Representative
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Keith smile

www.moestackleshop.com

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#11198512 - 10/31/15 09:35 PM Re: do i really need boat insurance [Re: sleeper]
jseasor Offline
Green Horn

Registered: 01/13/15
Posts: 4
i'll second bob at world wide marine!

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#11199504 - 11/01/15 01:53 PM Re: do i really need boat insurance [Re: sleeper]
Bob Landry Online   content
Extreme Angler

Registered: 08/10/11
Posts: 2134
Loc: Austin, Tx
I'll second it also. Complete coverage with WWM for my 2015 Seaark 1872 CC with agreed value is only $147 a year. Having that is a no brainer.
_________________________
2015 Seaark 1872 MV CC Etec-90
Helix 12 CHIRP SI, HB 1199, MinnKota Riptide ST80/i-pilot Link, Bob's Hydraulic

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#11206632 - 11/05/15 06:42 AM Re: do i really need boat insurance [Re: sleeper]
KingwoodCat Online   content
TFF Guru

Registered: 10/30/04
Posts: 36422
Loc: Broaddus TX
My 1987 Ranger 373V Bassmaster Classic was destroyed in a boat shed fire in 2004. Mine was one of two in the rental boat shed that had insurance. I got paid off, the other one with insurance got paid off, and the other 9 that were destroyed got zip, including the guy right next to me who had a brand new Champion. He paid cash for the boat, and had no insurance on it...Sad deal.
_________________________
"Any man who thinks he can be happy and prosperous by letting the government take care of him had better take a look at the American Indian".

Henry Ford

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#11211083 - 11/07/15 02:53 PM Re: do i really need boat insurance [Re: sleeper]
ifeliciano Offline
Angler

Registered: 07/29/07
Posts: 415
Loc: Mansfield/Arlington, TX
We live within a very litigious society. Its best to be safe than sorry.

+1 on Bob (World Wide Marine)
_________________________

GO ARMY!

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#11220037 - 11/12/15 06:40 AM Re: do i really need boat insurance [Re: sleeper]
BrianTx01 Offline
TFF Celebrity

Registered: 04/13/09
Posts: 5738
Loc: Fort Worth
Seems like a no brainer considering the value of your boat. Agreed upon value is the best way to go with boats.
_________________________


Fighting Texas Aggie Class of 2001
Proud UNT Alumni

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#11235018 - 11/20/15 02:18 PM Re: do i really need boat insurance [Re: sleeper]
COHLMEYER Online   content
TFF Team Angler

Registered: 10/21/08
Posts: 3732
Loc: Weatherford, TX
Yeah don't forget most policies cover engine issues also, not just hull damage or theft.
Insurance is worth thousands if the right issue were to happen.

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