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#12261917 - 05/24/17 10:56 PM Boat insurance
The Rodfather Offline
Extreme Angler

Registered: 06/17/06
Posts: 1060
Loc: Fredericksburg, TX
I know this is discussed quite a bit but what is the best insurance company to use for boat insurance? I'm currently using Geico Marine and received my policy update and the rates went up dramatically, $23 more a month than last year. I have only filed one claim for a lost tackle bag in the the last 5 years. I think it's time for a change!

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#12261937 - 05/24/17 11:22 PM Re: Boat insurance [Re: The Rodfather]
ko bass attack 27 Online   content
TFF Celebrity

Registered: 01/05/12
Posts: 8152
Loc: Fritch, Tx. - Alba, Tx.
I use Geico and found their rates to be about half of what St. Farm was on a comparison of equal policies. I have been satisfied but have never made a claim.

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#12261942 - 05/24/17 11:36 PM Re: Boat insurance [Re: The Rodfather]
RedRanger Offline
burro desagradable

Registered: 08/20/03
Posts: 22808
Loc: Frisco, Texas
Originally Posted By: The Rodfather
I know this is discussed quite a bit but what is the best insurance company to use for boat insurance? I'm currently using Geico Marine and received my policy update and the rates went up dramatically, $23 more a month than last year. I have only filed one claim for a lost tackle bag in the the last 5 years. I think it's time for a change!


How much was the claim for?
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#12261978 - 05/25/17 02:35 AM Re: Boat insurance [Re: The Rodfather]
Jignpig65 Offline
Angler

Registered: 09/27/15
Posts: 371
Loc: Paris Texas
I filed a claim with State Farm on May 8, I know boats are low on the list in this area this month, but at least a phone call would be a start. I actually had to call in last week to find out the steps I need to take to get my end of the process started.

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#12261979 - 05/25/17 03:35 AM Re: Boat insurance [Re: The Rodfather]
scruboak Online   content
Extreme Angler

Registered: 03/11/03
Posts: 1099
Loc: Cisco,tx
change every year

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#12262029 - 05/25/17 06:34 AM Re: Boat insurance [Re: The Rodfather]
SteezMacQueen Online   sleepy
TFF Team Angler

Registered: 11/02/14
Posts: 4448
Loc: Red Oak, Galveston, and Pagosa...
I went from State Farm to Allstate last week. Exact coverage, dollar for dollar, and the rate went down 20%.
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RIP little Nitro




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#12262091 - 05/25/17 07:34 AM Re: Boat insurance [Re: The Rodfather]
Catching Air Offline
Outdoorsman

Registered: 10/28/15
Posts: 57
Loc: Baytown,Tx
I just got finished at the first of the month doing the same thing. I switched from State Farm to Allstate on vehicles but stayed with state farm on my boat and house. Allstate was gonna be $400 a year more on the boat than state farm with less coverage. I have not had a boat claim in about 10 years. Good friend just bought a new Phoenix and he had to change cause State Farm wanted 2X more than anyone else. Just gonna have to get on the phone and call.

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#12262122 - 05/25/17 07:52 AM Re: Boat insurance [Re: The Rodfather]
SteezMacQueen Online   sleepy
TFF Team Angler

Registered: 11/02/14
Posts: 4448
Loc: Red Oak, Galveston, and Pagosa...
I didn't have much choice. My sons driving record caused my wife and I to be "non-renewed" on our vehicles. They didn't cancel my houses and boat. Just the cars. So I went to Allstate and switched EVERYTHING to them. The vehicles went up slightly, the houses went down as well as the boat. They took my State Farm policies and switched covereage to them dollar for dollar. Net savings is almost $1500 a year. I had no claims on my vehicles (with respect to my son, who is aspiring to be a NASCAR driver), houses, or boat. So, to me, I felt the non-renewal was unjustified. But, it's business. I guess.

Kinda makes me wonder how much money I wasted having StateFarm for 32 years. Ha
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RIP little Nitro




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#12262143 - 05/25/17 08:00 AM Re: Boat insurance [Re: The Rodfather]
KB1953 Offline
Extreme Angler

Registered: 06/29/12
Posts: 2648
Just switched from World Wide Marine to Foremost and saved $296.00 with a few minor adjustments, it pays to shop around! thumb

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#12262165 - 05/25/17 08:11 AM Re: Boat insurance [Re: The Rodfather]
B. Dill Offline
Pro Angler

Registered: 07/16/13
Posts: 628
Loc: Cypress
You gotta shop these fools every year. They're counting on you just signing up, at the new premium, without question.

You must've had a lot of valuables in that tackle bag though.



Edited by B. Dill (05/25/17 08:12 AM)

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#12262233 - 05/25/17 08:49 AM Re: Boat insurance [Re: The Rodfather]
redskeet100 Offline
Extreme Angler

Registered: 12/17/08
Posts: 1983
I use Progressive, thru USAA. I had a 12k claim last year and my rates did not change when I had to renew this year.

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#12262295 - 05/25/17 09:21 AM Re: Boat insurance [Re: The Rodfather]
cbog34 Offline
Pro Angler

Registered: 03/24/09
Posts: 717
Loc: Wylie
I use World wide marine also talk to them Bob will take care of ya.

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#12262339 - 05/25/17 09:47 AM Re: Boat insurance [Re: The Rodfather]
BWBForney Offline
Outdoorsman

Registered: 03/25/11
Posts: 184
Loc: Forney
Progressive, through an independent agent who I use for all assets. Progressive only insures the boat but their rates were much lower than the rest. Paying $300 per year for 100/300/100, 5k personal, towing, uninsured, and 5k fishing equipment.

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#12262345 - 05/25/17 09:49 AM Re: Boat insurance [Re: The Rodfather]
Dillon Lee Offline
Minute Man

Registered: 02/14/07
Posts: 3246
Loc: Party cove
I dont get involved in the insurance topics and usually wont even open them lol. Everyone talks about price over coverage for the most part. Everyone’s rate is different. Just because your buddy pays x amount of dollars does not mean you will get a similar rate there are lots of specific rate factors that all company’s use like credit/consumer reports, loss history, speed, what brand of boat etc etc. I do like to help anglers with boat insurance though so i am going to leave a few key factors here for you to ask about when shopping insurance that could mean the difference in major claim issues then I won’t post on here again. All policies are different remember that too.

does your company cover your power poles, electronics, trolling motor as part of the boat or does it cover it under personal effects?

Do you have replacement cost, actual cash value or agreed value on your boat?

Do you have replacement cost on your tackle and personal property or actual cash value?

How much is your trailer insured for?

What is my liability limit?

Are you getting a triple discount on home and auto and boat?

Do you have permissive use coverage if someone else borrows the boat even immediate family?

I could go on but I am sure you see where I am coming from. Price is important for sure i agree 100%. I just urge people to think more along these linse when shopping any of their insurance . Have a grerat Memorial Day weekend and remember what it stands for. GO FISHING!!!!! If I can ever help feel free to call 903 575 0000


Edited by Dillon Lee (05/25/17 09:53 AM)
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www.dobynsrods.com
http://www.xcitebaits.com
www.bassinforbabies.com
DILLON LEE INSURANCE 903 575 0000

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#12262355 - 05/25/17 09:53 AM Re: Boat insurance [Re: SteezMacQueen]
RedRanger Offline
burro desagradable

Registered: 08/20/03
Posts: 22808
Loc: Frisco, Texas
Originally Posted By: SteezMacQueen
I went from State Farm to Allstate last week. Exact coverage, dollar for dollar, and the rate went down 20%.


That's like going from a Diawa Steez to a Zebco 33. Allstate blows
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