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Topics1,039,329
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Most Online39,925 Dec 30th, 2023
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Re: Paid in full
[Re: ChuChu1]
#12487082
11/01/17 04:46 AM
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Joined: Dec 2007
Posts: 2,037
Walls
Extreme Angler
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Extreme Angler
Joined: Dec 2007
Posts: 2,037 |
100%. Too cheap yearly to go without, all things considered.
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Re: Paid in full
[Re: ChuChu1]
#12487115
11/01/17 09:50 AM
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Joined: Feb 2008
Posts: 703
RngrMac
Pro Angler
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Pro Angler
Joined: Feb 2008
Posts: 703 |
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Re: Paid in full
[Re: ChuChu1]
#12487120
11/01/17 10:08 AM
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Joined: Aug 2009
Posts: 2,408
dimitri
Extreme Angler
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Extreme Angler
Joined: Aug 2009
Posts: 2,408 |
yes because even a paid for 5k boat will probably have that much tackle and electronics attached to it. my general rule of thumb is most but not all folks in a 5k boat probably dont have the money in the bank to replace their boat if it was totaled. same with vehicles. i know back when all i could afford was a $2500 car i sure didnt have $2500 in the bank to replace it if i wrecked and totaled it out. i know boats are not a necessity item like a vehicle but i look at their replacement similarly. may not be the case for everyone though. insurance is peace of mind if nothing else.
Marine Electronics Installation [by appointment only in Azle, Texas] Graphs, Trolling Motors & Battery Chargers
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Re: Paid in full
[Re: SkeeterRonnie]
#12487203
11/01/17 12:27 PM
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Joined: Jun 2010
Posts: 5,833
David Welcher
TFF Celebrity
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TFF Celebrity
Joined: Jun 2010
Posts: 5,833 |
replacement/agreed value full coverage. Keeps my mind at peace for little cost. I even have an added $10,000 policy on the contents, you can come and steal my tackle while I'm at the hotel room and I'll be happy!
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Re: Paid in full
[Re: ChuChu1]
#12487216
11/01/17 12:40 PM
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Joined: May 2013
Posts: 955
JoeFriday
Pro Angler
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Pro Angler
Joined: May 2013
Posts: 955 |
I believe if you were to sink, it could be declared potentially a hazardous material spill and TPWD could come after you for cleanup. Check the rules and regulations. If so, that is likely more than it would be to replace the property.
This space for rent
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Re: Paid in full
[Re: ChuChu1]
#12487235
11/01/17 12:49 PM
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Joined: Jan 2009
Posts: 50,043
fouzman
Methuselah
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Methuselah
Joined: Jan 2009
Posts: 50,043 |
"Things turn out best for those who make the best of the way things turn out" - Zachary Troy Schrah - a young man with vision far beyond his years.
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Re: Paid in full
[Re: ChuChu1]
#12487272
11/01/17 01:04 PM
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Joined: Apr 2013
Posts: 1,901
cephusjoe
Extreme Angler
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Extreme Angler
Joined: Apr 2013
Posts: 1,901 |
Heck yes, too many things can go wronf with a boat
Mcurtain county okie
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Re: Paid in full
[Re: ChuChu1]
#12487414
11/01/17 02:20 PM
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Joined: Mar 2008
Posts: 2,327
CBoone
Extreme Angler
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Extreme Angler
Joined: Mar 2008
Posts: 2,327 |
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Re: Paid in full
[Re: ChuChu1]
#12487427
11/01/17 02:27 PM
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Joined: Feb 2005
Posts: 6,673
texasbass1
TFF Celebrity
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TFF Celebrity
Joined: Feb 2005
Posts: 6,673 |
Agreed value policy with all contents covered.
Pat Leach USAF MSgt Retired 92 Procraft 180 Pro 24 Mercury 150 Pro XS 4 Stroke Minn Kota Ulterra 80
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Re: Paid in full
[Re: ChuChu1]
#12487434
11/01/17 02:29 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 |
No real reason not to. Several years ago my 17 year old Ranger Basmaster Classic was destroyed in a boat shed fire. 11 Boats destroyed, two were insured. Mine was one of the two that were fully covered. I bet the guy in the stall next to me who had a new, paid off Champion, wished he had kept insurance on his. I was able to replace my boat with my insurance money. At the time had I not had the insurance, I would have been boatless for awhile.
"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: Paid in full
[Re: JIM SR.]
#12487627
11/01/17 04:10 PM
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Joined: Mar 2010
Posts: 3,606
ChuChu1
OP
TFF Team Angler
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OP
TFF Team Angler
Joined: Mar 2010
Posts: 3,606 |
The boat policy is full coverage,includes trolling motor, graphs etc,,,, and the accessories/extras are covered under home insurance. Boat paid off. I have been researching a change in companies for all my insurance, and the homeowners will cover rods, reels, etc, but the homeowners deductible has to be met. I my case, with the current insurance, that would be $1500. I'm looking at BoatUS right now, and it would be the same price as current, but adds rods and reel, tow service, and trailer breakdown.
Snowflakes and entitled brats will be the doom of America!
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Re: Paid in full
[Re: ChuChu1]
#12487639
11/01/17 04:15 PM
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Joined: Jun 2008
Posts: 11,260
Bass&More
TFF Guru
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TFF Guru
Joined: Jun 2008
Posts: 11,260 |
yes
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Re: Paid in full
[Re: ChuChu1]
#12487703
11/01/17 04:40 PM
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Joined: Nov 2014
Posts: 23,437
SteezMacQueen
TFF Guru
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TFF Guru
Joined: Nov 2014
Posts: 23,437 |
I have full coverage on everything I own with Allstate.
....needed them this morning in fact, sons car was broken into. The "trick or treaters" couldn't live without his Alpine...I guess.
Eat. Sleep. Fish.
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Re: Paid in full
[Re: grout-scout]
#12487713
11/01/17 04:48 PM
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Joined: May 2010
Posts: 1,217
Classic Fiberglass
Extreme Angler
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Extreme Angler
Joined: May 2010
Posts: 1,217 |
Not always worth it, if your boat has ever had any kind of repair work done to the hull they will usually deny any future claims. But if its in mint condition, might want to have agreed value insurance. I have never heard of that. I have had many customer with multiple claims on the same hull.
Chris 940-458-0164 Chris@classic-fiberglass.com
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Re: Paid in full
[Re: Classic Fiberglass]
#12487800
11/01/17 05:44 PM
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Joined: Dec 2008
Posts: 16,194
grout-scout
TFF Guru
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TFF Guru
Joined: Dec 2008
Posts: 16,194 |
Not always worth it, if your boat has ever had any kind of repair work done to the hull they will usually deny any future claims. But if its in mint condition, might want to have agreed value insurance. I have never heard of that. I have had many customer with multiple claims on the same hull. Been several guys on a Champion Page in another forum that have been denied when their hulls split and the insurance adjuster came with a previous fixed hull denial. One guy bought a used 210 and the hull split lengthwise a few months after he bought it and he was denied on his claim. He had to scrap the hull since they would not cover it. 2 or them had the same issue and 1 had a denial on his transom.
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