I always make sure my insurance covers for the cost to buy new in case of total loss.

A billion is a lot of money, but it isn't quite a TRILLION.

http://www.insurancejournal.com/news/national/2014/03/20/323788.htm

State Farm did me right on my boat issue ,,,,,,, no questions at all.
Just got to make sure you write the correct policy for what you want.
They even let me do a $100 deductible.
Write it with an agent that "understands" bass fishing.

No
G overnment
E mployee
I nsurance
CO mpany for me.

Same goes for Progressive.

Call Steven Barber at st Farm in Ft Worth. He's a bass fisherman and a Army Ranger war veteran. He will take care of anyone in the fishing community. I've had zero complaints with him so far and he will even go over your current policy to see if your getting scammed.

https://www.stevenbarberinsurance.com/ is his website. Good thing about St Farm is he can write you a policy for anywhere in the country. A lot of guys use him over on BBC boards. Good luck hope it gets worked out for you.

state farm is the way to go! I have heard many of horror storied about geico and a few others.

This. Never ever, for any reason, get a non replacement cost policy. Sure you save a little money now, but down the road you will pay dearly and then some. Always go with a stated value policy and RCV. Actual cash value policies will take the boats stated value, then depreciate it for its age, plus some depending on the company. If at all possible never use a third party insurance company either. Insurance is just like anything else. You tend to get what you pay for.

I like to write boats through Progressive. They have a ton of options, RCV, Coverage for equipment. Propulsion plus is my favorite option, it replaces a lower unit from mechanical breakdown with, I believe, only a $250 deductible.

I have Progressive thru USAA. I had a claim last fall, was about 12k in damages. Whole process was unbelievably painless and my rates didn't even increase this year.

USAA is the best! Just my two cents.

I have State Farm and I have had one claim on my boat for prop shaft and fiberglass damage, It was about $6K and they were excellent to deal with.

I have Geico and had the same type of experience from them. Hit a stump on Ray Roberts and punched a hole in the hull. Geico covered all the repairs, minus the deductible. I am very pleased with them.

He may have asked all the right questions but did he read it?

You're going to hear good and bad stories about all insurance companies. Not cool to make blanket statements.

I damaged the awning on my RV and it required replacement. State Farm denied the claim saying I did not have a rider to cover the awning even though it was original factory equipment. I guess I need to get a rider to cover the bumpers on my truck.

YOU'RE FIRED!!! As soon as an accident goes off my record so I can get a decent rate they are going to lose a policy covering three vehicles and a condo. There's no reason to do business with crooks.