Boat Insurance

I know this topic has been covered before but I couldn't find much info using the search feature. Who are y'all using for your boaters insurance?

I have been with Bob Luellen w/Worldwide Marine for quite a few years now. “Knock on Wood” I have had no claims so I cant vouch for that but many on the TFF have and have said they were stellar. For me they were 1/2 the price I was paying with State Farm and it was better coverage. One of the big pluses of the policy I got w/Worldwide over what I was getting from State Farm was in the event of a total loose I’m insured for the original contracted amount. The boat was covered years ago by them and the amount of the boat/motor/attached options insured value at that time was $52,000.00. I have kept that “contracted value” all these years so in the event of a total loose that is the amount I would receive. Not some grossly depreciated value like most standard policies. The trailer has its own additional value as does all my “non-attached” fishing tackle. High liability amount but I do not remember the amount. Several years ago this policy cost me $500 annually and I was paying $1,000 to State Farm. The last time I renewed w/Worldwide it was $700 annually. http://www.worldwidemarineins.com/

My insurance is the same. Started the beginning of this year with them at 800 a year.

Ryan McCoy, saved me over $200 when I switched to Travellers and got better coverage
903-574-2277

Boat US and Geico...they have been great and the prices very reasonable.

I've had to use their tow service once on the CO river due to being way too beached on a sandbar. Thanks to a blind corner. Nothing out of my pocket other than lost practice time at the tourney.

travelers. I got an 04 and got really good coverage on a stated value policy. they even cover motor issues

Amica - under $600 a year for my 07 ZX200

Ryan McCoy. 903-574-2277

X 2 super happy with mine

Travelers all day. Work in insurance and their policy is one of very few that cover engine mechanical issues. Anyone that's ever had those should know that's with it's weight in gold.

I used Worldwide marine for a while...but I found it odd that shortly after signing up, my account was sold to another company. Then a few years later to another. Not sure what that was about, but I didn't feel it was right so when I purchased my latest boat I made the switch to Boat US/Geico based on feedback from several friends.

Chubb. Very reasonable and great customer service. And they cover when in international waters when I fish Amistad or Falcon.

Chubb as well

They are yankee mentality for sure.

Travelers

Good to hear travelers getting shout outs! I really never heard them mentioned when I researched before. Ended up gettin them recommended for bundling...and started talking to their boat people. i asked them 574 different ways...."so my 2004 2 stroke will be covered for mechanical issues" and the answer was always yes. Also called twice in the months after getting it and asked if my mechanical motor issues were covered...and yup. The random call center people would always confirm.

Theyre kinda hardasses to approve you (got declined by them years ago with homeowners due to a semi recent roof claim) but seems like you are golden once you are a customer!

It all depends on what boat you have....Geico and Progressive were both over $4000. Travelers ended up at $1100 with same coverage. I shopped for days.

I just changed from Worldwide to The Lakes Insurance out of Nacogdoches

Skisafe. Good deal for my 2018 skeeter. About 700 yr.

I've never had boat insurance.

I went with travelers also.

Since I have never had a new boat in the last 29 years I use Progressive. There insurance is pretty fair but better than that they actually pay claims quite well. I have had two substantial claims on two different boats and they paid.

X3 great!

Same here.

Yet another vote for Travelers! Best rates anywhere with excellent coverage.

State Farm, along with everything else.

I have mine with USAA (as well as home, auto).

Ill be closing a deal on a Skeeter ZX200 next week and I checked with Ryan McCoy; he's in the insurance section of TFF, and he got me a really good quote from Travelers. We went with bass tournament requirement level insurance; and if I remember right some sort of coverage on motor failure, and it was only about $800 a year.