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Dec 30th, 2023
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 BOAT TRAILER INSURANCE COVERAGE!
#2565096
08/19/08 02:18 PM
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Joined: May 2003
Posts: 12,334
PGR Mike
OP
TFF Guru
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OP
TFF Guru
Joined: May 2003
Posts: 12,334 |
Everyone needs to check their policies. I posted this last year, and it's happened again.
For some reason, insurance agents don't know the cost of boat trailers. They just guess at the time they quote the price, and put $1000 or $1500 on most trailers they insure under boat policies.
An EZ Loader trailer for a new 20 Skeeter will run $5000 or more!
So before any of you guys get into accidents, call your agents and ask them how much coverage you have on your policy for your trailer! 70% of you guys here will find you've got either $1000 or $1500 in coverage! And that isn't going to be enough to replace your trailer in the event it gets totaled!
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: PGR Mike]
#2565715
08/19/08 05:51 PM
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Joined: Dec 2007
Posts: 223
Wet Vette
Outdoorsman
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Outdoorsman
Joined: Dec 2007
Posts: 223 |
Thanks, i just renewed mine.....I'm going to check.......
WHEN THE GOING GETS TOUGH...THE TOUGH GO TO THE LAKE!! 
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: Wet Vette]
#2565729
08/19/08 05:55 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 |
When I renew my policy I'm going to up the trailer coverage, that's for sure.
"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: BOAT TRAILER INSURANCE COVERAGE!
[Re: KingwoodCat]
#2565901
08/19/08 06:42 PM
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Joined: May 2005
Posts: 4,582
ChampionDon (SkeeterDon)
TFF Team Angler
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TFF Team Angler
Joined: May 2005
Posts: 4,582 |
Do not wait till you renew, do it NOW. Procrastination will get you every time. It did me, even though I had $2500 I was going to raise to to $4500 and was too late. My agent was going to insure the trailer for a $1000, but I insisted on $2500, 2k too low.
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: ChampionDon (SkeeterDon)]
#2567685
08/20/08 12:18 PM
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Joined: May 2003
Posts: 12,334
PGR Mike
OP
TFF Guru
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OP
TFF Guru
Joined: May 2003
Posts: 12,334 |
As Don said, do it now. Waiting can cost you thousands. They will send you an adjusted bill, and it should only be $10 bucks a year or so difference in premiums.
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: PGR Mike]
#2570512
08/21/08 01:52 AM
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Joined: May 2003
Posts: 12,334
PGR Mike
OP
TFF Guru
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OP
TFF Guru
Joined: May 2003
Posts: 12,334 |
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: PGR Mike]
#2573032
08/21/08 09:35 PM
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Joined: Nov 2006
Posts: 1,618
riverrat1973
Extreme Angler
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Extreme Angler
Joined: Nov 2006
Posts: 1,618 |
I made sure when I bought mine and had State Farm insure it that the cost of the trailer was covered. They specifically asked the cost of the trailer. Mine was $3500 for my single axle Ranger Trail. Good advice.
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: riverrat1973]
#2575129
08/22/08 02:48 PM
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Joined: Jan 2004
Posts: 2,440
rb7764
Extreme Angler
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Extreme Angler
Joined: Jan 2004
Posts: 2,440 |
My progressive policy does not have a limit for the trailer - just a total limit for the entire rig ex. my tackle, rods and reels (have a separate rider for those).
Good reminder Michael.
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: PGR Mike]
#4647004
03/24/10 08:22 AM
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Joined: Mar 2010
Posts: 1
Skumar
Green Horn
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Green Horn
Joined: Mar 2010
Posts: 1 |
Hi Fiberglass, you make a great point, if agents make assumptions about trailer costs or other things then the buyer could over pay. Still, no one should boat without proper insurance. Some systems enable you to clearly state the value of what you want covered. For example, you can go on the www.policydog.com_ website and get a free instant quote on http://www.policydog.com/insurance/boat-insurance.aspx. You just answer some direct questions and get your quote. You can even __buy http://www.policydog.com/insurance/boat-insurance.aspx online__ if you like the price. It is also necessary to get liability protection, not just insure the equipment. What if you have an accident and hurt someone? Happy boating.
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: Skumar]
#4647913
03/24/10 03:01 PM
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Joined: Jul 2005
Posts: 17,845
kodys'papa
TFF Guru
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TFF Guru
Joined: Jul 2005
Posts: 17,845 |
Hooking a fish is like playing string with a cat. The exact size, shape, color of string matters less than how you wiggle it- and little cats are easier to fool than big ones. John Gierach
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: kodys'papa]
#4648017
03/24/10 03:17 PM
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Joined: Sep 2009
Posts: 661
Ryan Boykin
Pro Angler
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Pro Angler
Joined: Sep 2009
Posts: 661 |
Where can you find trailer values/ new trailer on the net?
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Re: BOAT TRAILER INSURANCE COVERAGE!
[Re: Ryan Boykin]
#4651527
03/25/10 02:21 AM
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Joined: Oct 2008
Posts: 384
briansgi
Angler
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Angler
Joined: Oct 2008
Posts: 384 |
I made sure my Ranger trailer was covered for $6K, they are definitely expensive to replace!
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