i'd get it... can't predict when things will break... and I would rather be insured for $1500, instead of waiting to have it broken and then costing me 4X more..

Mo

+1

Here is a better idea; you have to have boat insurance anyway- look at Travelers insurance. They have replacement in their policy. I blew a cylinder last year and because it wasn't maintenance related, they covered my rebuild! Travelers was cheaper and better coverage than other companies when I shopped around two years ago and again last year.

Ok, so I have a month remaining on the original warranty. Before I have to decide on an extended warranty, if I run it hard for the next month should that make me feel better about getting or passing on extended warranty? Is that enough time to put a motor through the motions? And I didn't think about insurance covering a re-build. Not sure I want to fight them on what is considered "maintenance related" but it's an interesting thought.

It wasn't a fight at all. They hired an expert to go to the repair shop and look the motor and boat over. Obviously the mechanics knew he was coming so they had already looked everything over and told me there was nothing he would find. I always keep up on maintenance so I knew the expert wouldn't find anything. Rebuild was paid for except my deductible. And, most insurance company boat policies do not cover break-downs; Travelers do.

Side note: Charlies Outboard in Alvarado was great! I highly recommend their service.

How many of you guys days on the lakes are spent “concentrating” on wether or not your motors going to blow?:D

When I ran HPDI's, every minute of every day.

So the insurance comment got me to thinking. I did research and found a policy with Progressive that may cover a re-build should something go wrong. Cut and pasted (below) straight from their website. Does this sound like the kind of coverage we're discussing?

Propulsion Plus® mechanical breakdown coverage
We’ll pay to repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown. And yes, we’ll still cover it if it’s caused by general wear and tear. Starts at $38/year. Propulsion Plus does not apply to jet drives or inboard motors.

Example: Your 10-year old lower unit simply runs its course and dies on you. Typically, insurance wouldn’t pay for that because wear and tear is not covered. This coverage is different. Add Propulsion Plus, and, if it can’t repaired, we’ll replace it with a brand new one.