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do i really need boat insurance
#10815011
05/03/15 01:29 PM
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Joined: Aug 2004
Posts: 398
sleeper
OP
Angler
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OP
Angler
Joined: Aug 2004
Posts: 398 |
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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Re: do i really need boat insurance
[Re: sleeper]
#10815086
05/03/15 02:04 PM
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Joined: Nov 2007
Posts: 5,515
ssmith
TFF Celebrity
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TFF Celebrity
Joined: Nov 2007
Posts: 5,515 |
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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Re: do i really need boat insurance
[Re: sleeper]
#10815542
05/03/15 08:11 PM
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Joined: Feb 2015
Posts: 4,724
Flippin-Out
TFF Team Angler
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TFF Team Angler
Joined: Feb 2015
Posts: 4,724 |
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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Re: do i really need boat insurance
[Re: Flippin-Out]
#10816384
05/04/15 03:44 AM
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Joined: Mar 2008
Posts: 2,628
brandon f.
Extreme Angler
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Extreme Angler
Joined: Mar 2008
Posts: 2,628 |
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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Re: do i really need boat insurance
[Re: sleeper]
#10816738
05/04/15 01:34 PM
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Joined: Feb 2003
Posts: 55,364
SkeeterRonnie
Super Freak
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Super Freak
Joined: Feb 2003
Posts: 55,364 |
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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Re: do i really need boat insurance
[Re: sleeper]
#10818585
05/05/15 12:46 AM
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Joined: Aug 2004
Posts: 398
sleeper
OP
Angler
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OP
Angler
Joined: Aug 2004
Posts: 398 |
Thanks for responses. Im gonna keep insurance on it
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Re: do i really need boat insurance
[Re: sleeper]
#11193305
10/29/15 01:27 PM
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Joined: Apr 2006
Posts: 927
jeffsellsboats
Pro Angler
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Pro Angler
Joined: Apr 2006
Posts: 927 |
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!!!
Last edited by BoatRx; 10/29/15 01:27 PM.
Jeff Ivie Sales Manager 936-436-2101 jeff_ivie@bigdmarine
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Re: do i really need boat insurance
[Re: sleeper]
#11193359
10/29/15 01:47 PM
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Joined: Jul 2011
Posts: 241
Abbott (MCM Tackle)
Outdoorsman
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Outdoorsman
Joined: Jul 2011
Posts: 241 |
Just bought a boat. Who is the best to get insurance thru?
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Re: do i really need boat insurance
[Re: Abbott (MCM Tackle)]
#11195757
10/30/15 05:50 PM
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Joined: Jan 2011
Posts: 3,608
PlanoKeith
TFF Team Angler
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TFF Team Angler
Joined: Jan 2011
Posts: 3,608 |
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
Keith
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Re: do i really need boat insurance
[Re: sleeper]
#11198512
11/01/15 02:35 AM
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Joined: Jan 2015
Posts: 4
jseasor
Green Horn
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Green Horn
Joined: Jan 2015
Posts: 4 |
i'll second bob at world wide marine!
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Re: do i really need boat insurance
[Re: sleeper]
#11199504
11/01/15 07:53 PM
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Joined: Aug 2011
Posts: 2,957
Bob Landry
Extreme Angler
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Extreme Angler
Joined: Aug 2011
Posts: 2,957 |
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 Two Helix 12 CHIRP SI's, , MinnKota Riptide ST80/i-pilot Link, Bob's Hydraulic 2020 Robalo R200 CC, Yamaha 150
Bitter Gun Owner Bitter Clinger Armed Infidel
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Re: do i really need boat insurance
[Re: sleeper]
#11206632
11/05/15 12:42 PM
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Joined: Oct 2004
Posts: 38,822
KingwoodCat
TFF Guru
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TFF Guru
Joined: Oct 2004
Posts: 38,822 |
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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Re: do i really need boat insurance
[Re: sleeper]
#11211083
11/07/15 08:53 PM
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Joined: Jul 2007
Posts: 423
ifeliciano
Angler
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Angler
Joined: Jul 2007
Posts: 423 |
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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Re: do i really need boat insurance
[Re: sleeper]
#11220037
11/12/15 12:40 PM
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Joined: Apr 2009
Posts: 5,923
BrianTx01
TFF Celebrity
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TFF Celebrity
Joined: Apr 2009
Posts: 5,923 |
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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Re: do i really need boat insurance
[Re: sleeper]
#11235018
11/20/15 08:18 PM
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Joined: Oct 2008
Posts: 3,870
COHLMEYER
TFF Team Angler
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TFF Team Angler
Joined: Oct 2008
Posts: 3,870 |
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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