Boat Insurance 101

[Ketchup]

If while towing, your trailer tire blows and somehow damages the hull of the boat " happened to a buddy" then im assuming your auto insurance steps in?  

Another avenue to look at.  Your boat is on a lift, plug left in it, heavy rains put a foot of water in it that stays until your next trip to the lake 6 months later, and everything in the compartments is ruined due to rust, etc.  That is all covered? The damage to the carpet, any wood on the floor/decks. Is there flood insurance for boats?

 

[Daryk Campbell Sr]

1 hour ago, Ketchup said:

If while towing, your trailer tire blows and somehow damages the hull of the boat " happened to a buddy" then im assuming your auto insurance steps in?  

Another avenue to look at.  Your boat is on a lift, plug left in it, heavy rains put a foot of water in it that stays until your next trip to the lake 6 months later, and everything in the compartments is ruined due to rust, etc.  That is all covered? The damage to the carpet, any wood on the floor/decks. Is there flood insurance for boats?

 

Auto insurance only transfers liability coverage.   Any damage to your propety would not be covered.   

[Quillback]

On ‎4‎/‎9‎/‎2018 at 6:10 AM, Quillback said:

Seems a bit high, I have Progressive, $320/year, $42K, $2500 gear, $500K liability, $250 deductible.  I don't have lower unit coverage.  

That being said, I just saw a post on BBC where a guy said his Progressive policy jumped $250 this year, mine is due soon so I will see if it remains $320.  

Give this guy a call to see what you can get:  Bob Luellen 517-627-8080

 

Just got my new bill, $309 for the year.  

[Ketchup]

Just noticed the sponsor for the conservation section of this site is an insurance company. AB Agency Insurance.  Says they are a member here.  Anyone know of them?

[Daryk Campbell Sr]

I've heard of them...   lol it's my agency.   

[BilletHead]

          I'm getting total weed control . Guess they are guessing I am a conservative,

BilletHead

[Ketchup]

3 hours ago, Daryk Campbell Sr said:

I've heard of them...   lol it's my agency.   

Well dang it Daryk. Im gonna send ya a PM this evening. 

[Ketchup]

Also thanks for being a supporter on this site. 

[fishinwrench]

43 minutes ago, Ketchup said:

Also thanks for being a supporter on this site. 

Ditto. Good to know.  I'll be in touch when I get a new truck bought.  

[Keiththom]

I had boat insurance and a hail storm destroyed a top cover on a motor. I duck-taped it, but my agent who was a personal friend said to claim it on my home owners insurance. I did. Insurance bought me a new $1000 top motor cover.

But evidently, loan companies think insurance companies will pay out so they can recoup their money in a massive loss when you are still making payments or else they wouldn't require it.