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Jan 23rd, 2013
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Insurance $$ ?? #10316915 09/29/14 09:03 PM
Joined: Nov 2008
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361V Online Content OP
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I know people regularly ask for recommendations for insurance companies of the TFF but nobody ever actually shares what they pay. I know it's "apples to oranges" unless you compare limits, deductables, additional libility and actual boat value but it's helpful to know "ballparks" of what others are paying with their recommendations. I feel I'm paying too much based on what all my automotive insurance runs. I have State Farm. $50,000 valuation, $500 deductable, extra $250,000 personal liability and I pay almost exactally $1000.00 a year. No claims. Do I need to shop when this policy comes up in a month? Thank's 361V.

Re: Insurance $$ ?? [Re: 361V] #10316973 09/29/14 09:30 PM
Joined: Mar 2008
Posts: 3,228
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YankHardReelFast Offline
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2009 Champion 210
250 Yamaha

$37k hull/machinery coverage ($278 deductible)
$1k towing
$4k trailer ($188 deductible)
$300k liability
$854k contaminant/pollution
$300k unisured boater
$8k personal effects ($100 deductible)

$645/yr

Re: Insurance $$ ?? [Re: 361V] #10316991 09/29/14 09:38 PM
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Alex K. Offline
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I have State Farm. Between boat, trailer, and contents I have 38k worth of coverage, 300k liability, 250 deductable, a little under 550/year.

Re: Insurance $$ ?? [Re: 361V] #10317047 09/29/14 09:58 PM
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JoeFriday Offline
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Cool. I'll play since I'm curious what people are paying as well.

Boat - 2000 Skeeter ZX202, 2000 Yamaha 200hp
Coverage - Liability $500K CSL, Uninsured Boater $500K CSL, Medical Payments $5K/person, $250 deductible Comp, $1K deductible Collision, $1K personal effects, $5K Fishing Equipment coverage

Premium - $320/year


This space for rent
Re: Insurance $$ ?? [Re: 361V] #10317135 09/29/14 10:44 PM
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Posts: 886
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sprigsss Offline
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I just financed a Skeeter SX 220 with 250 hp Yamaha SHO.

I have $60,000 in coverage, and $250 deductible. I'm paying about $500/year.

My sister is a State Farm Agent and she quoted me ~$1200/year with the $250 deductible and $1000/year with a $500 deductible. Financing institution would not loan with a $500 deductible.

State Farm will also not have marine adjusters. My sister even suggested I go with an insurance company that specializes in the marine industry.

I went with West Coast Marine. Since my sister is an agent I usually don't even shop around for insurance. Thankfully Fain at Fun-N-Sun told me, "Buddy let me just get you a quote real quick." About 2 mins later he put a quote in front of me for more than half the price my sister could offer me.

Good Luck.

Re: Insurance $$ ?? [Re: sprigsss] #10319173 09/30/14 08:58 PM
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MV Online Content
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Originally Posted By: sprigsss
I just financed a Skeeter SX 220 with 250 hp Yamaha SHO.

I have $60,000 in coverage, and $250 deductible. I'm paying about $500/year.

My sister is a State Farm Agent and she quoted me ~$1200/year with the $250 deductible and $1000/year with a $500 deductible. Financing institution would not loan with a $500 deductible.

State Farm will also not have marine adjusters. My sister even suggested I go with an insurance company that specializes in the marine industry.

I went with West Coast Marine. Since my sister is an agent I usually don't even shop around for insurance. Thankfully Fain at Fun-N-Sun told me, "Buddy let me just get you a quote real quick." About 2 mins later he put a quote in front of me for more than half the price my sister could offer me.

Good Luck.
yes

Re: Insurance $$ ?? [Re: 361V] #10319176 09/30/14 08:59 PM
Joined: Sep 2003
Posts: 3,940
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MV Online Content
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Joined: Sep 2003
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Originally Posted By: 361V
I know people regularly ask for recommendations for insurance companies of the TFF but nobody ever actually shares what they pay. I know it's "apples to oranges" unless you compare limits, deductables, additional libility and actual boat value but it's helpful to know "ballparks" of what others are paying with their recommendations. I feel I'm paying too much based on what all my automotive insurance runs. I have State Farm. $50,000 valuation, $500 deductable, extra $250,000 personal liability and I pay almost exactally $1000.00 a year. No claims. Do I need to shop when this policy comes up in a month? Thank's 361V.
yes

Re: Insurance $$ ?? [Re: 361V] #10328081 10/05/14 02:42 AM
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Jobie99 Offline
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I have one beacon, pay about $40 a month for a 3 year old skeeter and when I hit a rock and needed a lower unit they took care of me

Re: Insurance $$ ?? [Re: 361V] #10340355 10/10/14 04:21 PM
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mehall1087 Offline
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I am a State Farm agent and insure a lot of boats. Not sure what the sister is talking about but we have top notch claim service on boats. I can give you references if you need.

Re: Insurance $$ ?? [Re: 361V] #10623441 02/16/15 11:56 PM
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worm007 Offline
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Re: Insurance $$ ?? [Re: worm007] #10628728 02/18/15 10:32 PM
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River Man Offline
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Yep, they are high but considered good. I switched to GEICO for autos and home is with Liberty Mutual.

Re: Insurance $$ ?? [Re: worm007] #10632203 02/20/15 05:05 AM
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brandon f. Offline
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Originally Posted By: worm007



They may charge more... but I would bet my paycheck that their "average" pay out is more for claims than the "other" companies.

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