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have a question to get insurances on my bass baot?
#6758150
10/21/11 06:11 PM
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Joined: Oct 2011
Posts: 100
sexyshad2
OP
Outdoorsman
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OP
Outdoorsman
Joined: Oct 2011
Posts: 100 |
ive been told by many u have to have insurances on a boat and then some people say its up to u so is it?
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#6758178
10/21/11 06:16 PM
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Joined: Oct 2007
Posts: 19,756
Huckleberry
TFF Guru
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TFF Guru
Joined: Oct 2007
Posts: 19,756 |
Not sure. I fish tournaments and they require it but I would have it anyways, it's really not all that expensive.
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#6792897
10/31/11 04:31 PM
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Joined: Jun 2011
Posts: 2,733
militarybrat
Extreme Angler
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Extreme Angler
Joined: Jun 2011
Posts: 2,733 |
It is up to you that said if a person is injured while on your boat you are responsible. A broken leg or arm requiring surgery ER visit can cost upwards of $20,000.00. It's best to be insured not required. Make sure you insure your boat for replacement value which would include motor and trailer. Now here is the thing I personally won't claim anything under $3,500.00 as 2 claims in a 2 year period will result in your policy being canceled. One example would be lower unit damage out of pocket no claim.
Who ever said nothing in life is impossible. Never tried slamming a revolving door.
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#6843523
11/14/11 04:17 PM
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Joined: Nov 2011
Posts: 6
WintersAllstate
Green Horn
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Green Horn
Joined: Nov 2011
Posts: 6 |
Shad, In texas you are not required to carry insurance on your boat by the state. That being said if their is a lien on your boat or a note that you pay monthly the lender will require that you carry full coverage on the boat in the case of a loss. I would look into it if I was you though it is not that expensive and if you insure it where you insure your autos and home it may come in at pretty much free with the discounts that you will recieve on the other policy's
If you need any help with this or have questions you can hit me up.
Josh
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#7220806
02/27/12 08:11 PM
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Joined: Feb 2012
Posts: 20
fishintexas123
Outdoorsman
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Outdoorsman
Joined: Feb 2012
Posts: 20 |
not sure where militarybrat got info,,but its not true on most insurance,,I have farm bureau and had lower unit replaced and had a claim for theft and someone hit my trailor at ramp and took off,,3 claims in 9 months,,not even a raise in rates.
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Re: have a question to get insurances on my bass baot?
[Re: fishintexas123]
#7249958
03/06/12 05:04 AM
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Joined: Jun 2010
Posts: 39
N.G.
Outdoorsman
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Outdoorsman
Joined: Jun 2010
Posts: 39 |
Every insurance company has diffrent "feelings" regarding how many times you claim during a policy period. The poster that mentioned 2 claims in 2 years would get you dropped: this could be true with his policy. Sounds like Farm B has a lower adversion to claims. I am in the insurance industry and I deal with many insurance companies. You can normally ask the agent or broker about the insurance company's claim guidlines before you buy a policy. In regards to the OP, a boat policy is normally very cheap in comparison to auto. I would advise 300k in all of your liability limits. In thinking about "full coverage", choose a deduct that you can live with. Make sure u know what the internal limit is for unattached equip.
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#7255436
03/07/12 02:09 PM
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Joined: Feb 2012
Posts: 20
fishintexas123
Outdoorsman
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Outdoorsman
Joined: Feb 2012
Posts: 20 |
another bit of info some may not know,,,,you can tie your homeowners liability to your boat,,cost me 25.00 a year to do this, which gives me 500.000 liability,,just paid my boat prem. yesterday...one year,,,245.00 covers boat for 6000.00 (99 ranger 518) 8,000 on motor (99 opti 200) 1500 on trailer,,,plus the 500,000 liability...2 trucks,,two cars and house with farm bureau and boat,,,,and its 1300.00 a year less than I was paying with state farm, after being with sf for over 20 years. never had a problem with claims at state farm,,but after 20+ years 1300.00 a year was too much.
Last edited by fishintexas123; 03/07/12 02:10 PM.
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Re: have a question to get insurances on my bass baot?
[Re: fishintexas123]
#7258974
03/08/12 03:08 AM
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Joined: Jan 2007
Posts: 118
worm007
Outdoorsman
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Outdoorsman
Joined: Jan 2007
Posts: 118 |
AAIAftworth.com has germania, they will blow the doors off farm bureau!
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Re: have a question to get insurances on my bass baot?
[Re: worm007]
#7264956
03/09/12 01:45 PM
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Joined: Feb 2012
Posts: 20
fishintexas123
Outdoorsman
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Outdoorsman
Joined: Feb 2012
Posts: 20 |
just got quote from germania,,(was curious) they were 600.00 a year more than farm bureau...so my doors are still on...sorry but you were WRONG!
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#7371255
04/03/12 11:52 PM
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Joined: Sep 2007
Posts: 2,497
Scott A.
Extreme Angler
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Extreme Angler
Joined: Sep 2007
Posts: 2,497 |
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Re: have a question to get insurances on my bass baot?
[Re: fishintexas123]
#7378796
04/05/12 06:49 PM
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Joined: May 2009
Posts: 144
Lochsley123
Outdoorsman
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Outdoorsman
Joined: May 2009
Posts: 144 |
just got quote from germania,,(was curious) they were 600.00 a year more than farm bureau...so my doors are still on...sorry but you were WRONG! Give me a call our boat insurance is hard to beat
In Between Disasters
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#7469882
04/29/12 02:38 AM
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Joined: Sep 2009
Posts: 531
SWAC
Pro Angler
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Pro Angler
Joined: Sep 2009
Posts: 531 |
You can't register your boat or trailer without evidence of insurance.
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#7500298
05/07/12 06:24 PM
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Joined: Jul 2011
Posts: 82
mehall1087
Outdoorsman
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Outdoorsman
Joined: Jul 2011
Posts: 82 |
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Re: have a question to get insurances on my bass baot?
[Re: SWAC]
#7508165
05/09/12 01:45 PM
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Joined: Apr 2012
Posts: 2
racerx15
Green Horn
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Green Horn
Joined: Apr 2012
Posts: 2 |
Just registered my boat and motor at TP&W and they didnt ask for insurance
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Re: have a question to get insurances on my bass baot?
[Re: sexyshad2]
#7512143
05/10/12 06:51 AM
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Joined: Aug 2009
Posts: 1,593
Toxarch
Extreme Angler
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Extreme Angler
Joined: Aug 2009
Posts: 1,593 |
I registered my boat and trailer without insurance. After it was registered, I got liability coverage on the boat. I would hate for someone to get hurt on the boat and have to sue me to cover their bills.
In space, nobody can hear you scream for ice cream.
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