Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Rick Brass via CnC-List]

I guess they must have updated the application software. I had been covered for 
3 years when they realized that Imzadi, my 38, was too big for their 
underwriting standards.

 

I do admit that while I was covered, I was occasionally amused by the 
promotional messages that lauded how big a benefit it was that they covered 
road service on the trailer for my boat.

 

After Progressive didn’t renew my policy a local agent placed me with Victoria, 
the marine insurance subsidiary of Nationwide. Good experience until they 
stopped insuring boats in North Carolina.

 

Rick Brass

Washington, NC

 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Bruce 
Whitmore via CnC-List
Sent: Wednesday, November 13, 2019 9:16 PM
To: Della Barba, Joe via CnC-List 
Cc: Bruce Whitmore 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

Interestingly I just tried Progressive, and they won't insure anything larger 
that 35'.

 

 

 

Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net

 

 

 

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Bill Coleman via CnC-List]

Guess that solves that problem.

 

Bill Coleman

 Erie, PA

 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Bruce 
Whitmore via CnC-List
Sent: Wednesday, November 13, 2019 9:16 PM
To: Della Barba, Joe via CnC-List
Cc: Bruce Whitmore
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

Interestingly I just tried Progressive, and they won't insure anything larger 
that 35'.

 

 

 

Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net

 

 

 

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Bruce Whitmore via CnC-List]

Interestingly I just tried Progressive, and they won't insure anything larger 
that 35'.


Bruce Whitmore
1994 C&C 37/40+"Astralis"
(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net
 

  
 ___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[David Risch via CnC-List]

Bill…check your policy language.   Half the cost is very suspicious.

David F. Risch
(401) 419-4650

From: CnC-List  On Behalf Of Bill Coleman via 
CnC-List
Sent: Wednesday, November 13, 2019 9:33 AM
To: cnc-list@cnc-list.com
Cc: Bill Coleman 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

That almost sounds too good!
Has anyone had any claims experience with Progressive?
I currently have a car with them, and keep getting prods to insure a boat with 
them, but Flo is so pushy, it makes me suspicious . . .
I am currently with One Beacon, and have nada clu as to what to expect from 
them should the need arise. But half the price of BoatUS.

Bill Coleman
Erie PA

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Della Barba, 
Joe via CnC-List
Sent: Wednesday, November 13, 2019 7:56 AM
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Cc: Della Barba, Joe
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

Progressive just had me fill out their forms. No survey and the value was what 
I filled in. I suspect they have an algorithm to flag people stating outrageous 
values.
I di d get all three of my boats on Progressive for a bit less than BOATUS was 
for insuring just one. I have the C&C, an Avon RIB, and a Boston Whaler on for 
about $600/yr. BOATUS was high for the Whaler at $170/yr! They did cover the 
Avon as a dinghy to the big boat, but I decided I wanted the boat covered 
explicitly with Progressive. IIRC the Avon portion of the bill is about $60/yr 
and the Whaler is $70. Our marina requires insurance ever since a live-aboard 
had their boat sink and ran off, leaving an uninsured sunk boat for the marina 
to deal with.


Joe Della Barba Coquina C&C 35  MK I
www.dellabarba.com<http://www.dellabarba.com>



From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of 
nausetbeach--- via CnC-List
Sent: Tuesday, November 12, 2019 4:56 PM
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Cc: nausetbe...@optonline.net<mailto:nausetbe...@optonline.net>
Subject: [EXTERNAL] Re: Stus-List Boat insurance...reimbursement vs. depreciated

For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?

It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley?
It does not appear from their website that Berkeley Marine requires a survey.

I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.

Thanks,
Brian
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Della Barba, Joe via CnC-List]

The only bad thing I have heard about Progressive was from someone hit by a 
freighter. The freighter didn’t hang around long, not like it hurt THEM very 
much, and Progressive was apparently clueless about tracking down their agent 
and getting paid by their insurance. Totally the freighter’s fault too, they 
got off course and hit some ANCHORED boats.

Joe Della Barba Coquina C&C 35  MK I
www.dellabarba.com







From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Bill Coleman 
via CnC-List
Sent: Wednesday, November 13, 2019 9:33 AM
To: cnc-list@cnc-list.com
Cc: Bill Coleman 
Subject: [EXTERNAL] Re: Stus-List Boat insurance...reimbursement vs. depreciated

That almost sounds too good!
Has anyone had any claims experience with Progressive?
I currently have a car with them, and keep getting prods to insure a boat with 
them, but Flo is so pushy, it makes me suspicious . . .
I am currently with One Beacon, and have nada clu as to what to expect from 
them should the need arise. But half the price of BoatUS.

Bill Coleman
Erie PA

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Della Barba, 
Joe via CnC-List
Sent: Wednesday, November 13, 2019 7:56 AM
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Cc: Della Barba, Joe
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

Progressive just had me fill out their forms. No survey and the value was what 
I filled in. I suspect they have an algorithm to flag people stating outrageous 
values.
I di d get all three of my boats on Progressive for a bit less than BOATUS was 
for insuring just one. I have the C&C, an Avon RIB, and a Boston Whaler on for 
about $600/yr. BOATUS was high for the Whaler at $170/yr! They did cover the 
Avon as a dinghy to the big boat, but I decided I wanted the boat covered 
explicitly with Progressive. IIRC the Avon portion of the bill is about $60/yr 
and the Whaler is $70. Our marina requires insurance ever since a live-aboard 
had their boat sink and ran off, leaving an uninsured sunk boat for the marina 
to deal with.


Joe Della Barba Coquina C&C 35  MK I
www.dellabarba.com<https://protect2.fireeye.com/v1/url?k=0ceca84c-507ae0ec-0cec813b-0cc47adca788-97f4a658a93c46c5&q=1&e=da18892e-2c53-4784-8db9-6e0142417058&u=http%3A%2F%2Fwww.dellabarba.com%2F>



From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of 
nausetbeach--- via CnC-List
Sent: Tuesday, November 12, 2019 4:56 PM
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Cc: nausetbe...@optonline.net<mailto:nausetbe...@optonline.net>
Subject: [EXTERNAL] Re: Stus-List Boat insurance...reimbursement vs. depreciated

For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?

It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley?
It does not appear from their website that Berkeley Marine requires a survey.

I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.

Thanks,
Brian
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Bill Coleman via CnC-List]

That almost sounds too good!

Has anyone had any claims experience with Progressive? 

I currently have a car with them, and keep getting prods to insure a boat with 
them, but Flo is so pushy, it makes me suspicious . . .

I am currently with One Beacon, and have nada clu as to what to expect from 
them should the need arise. But half the price of BoatUS.

 

Bill Coleman

Erie PA 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Della Barba, 
Joe via CnC-List
Sent: Wednesday, November 13, 2019 7:56 AM
To: cnc-list@cnc-list.com
Cc: Della Barba, Joe
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

Progressive just had me fill out their forms. No survey and the value was what 
I filled in. I suspect they have an algorithm to flag people stating outrageous 
values.

I di d get all three of my boats on Progressive for a bit less than BOATUS was 
for insuring just one. I have the C&C, an Avon RIB, and a Boston Whaler on for 
about $600/yr. BOATUS was high for the Whaler at $170/yr! They did cover the 
Avon as a dinghy to the big boat, but I decided I wanted the boat covered 
explicitly with Progressive. IIRC the Avon portion of the bill is about $60/yr 
and the Whaler is $70. Our marina requires insurance ever since a live-aboard 
had their boat sink and ran off, leaving an uninsured sunk boat for the marina 
to deal with.

 

 

Joe Della Barba Coquina C&C 35  MK I

www.dellabarba.com

 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of 
nausetbeach--- via CnC-List
Sent: Tuesday, November 12, 2019 4:56 PM
To: cnc-list@cnc-list.com
Cc: nausetbe...@optonline.net
Subject: [EXTERNAL] Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?  

 

It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley? 

It does not appear from their website that Berkeley Marine requires a survey. 

 

I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.   

 

Thanks,

Brian

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Della Barba, Joe via CnC-List]

Progressive just had me fill out their forms. No survey and the value was what 
I filled in. I suspect they have an algorithm to flag people stating outrageous 
values.
I di d get all three of my boats on Progressive for a bit less than BOATUS was 
for insuring just one. I have the C&C, an Avon RIB, and a Boston Whaler on for 
about $600/yr. BOATUS was high for the Whaler at $170/yr! They did cover the 
Avon as a dinghy to the big boat, but I decided I wanted the boat covered 
explicitly with Progressive. IIRC the Avon portion of the bill is about $60/yr 
and the Whaler is $70. Our marina requires insurance ever since a live-aboard 
had their boat sink and ran off, leaving an uninsured sunk boat for the marina 
to deal with.


Joe Della Barba Coquina C&C 35  MK I
www.dellabarba.com



From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of 
nausetbeach--- via CnC-List
Sent: Tuesday, November 12, 2019 4:56 PM
To: cnc-list@cnc-list.com
Cc: nausetbe...@optonline.net
Subject: [EXTERNAL] Re: Stus-List Boat insurance...reimbursement vs. depreciated

For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?

It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley?
It does not appear from their website that Berkeley Marine requires a survey.

I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.

Thanks,
Brian
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[David Risch via CnC-List]

When I switched from GEICO to Berkeley my survey for a rider was recent enough 
for coverage.  By inference you will probably need another survey.

Sent from my Android. Please forgive typos. Thank you.


From: CnC-List  on behalf of Neil Andersen via 
CnC-List 
Sent: Tuesday, November 12, 2019 6:02:31 PM
To: cnc-list@cnc-list.com ; cnc-list@cnc-list.com 

Cc: Neil Andersen 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

Anyone know if CNA is still writing boat insurance policies?   I too had a 
claim that they handled wonderfully (caused by another boat and a marina).

Neil
1982 C&C 32, FoxFire
Rock Hall, MD

Neil Andersen
20691 Jamieson Rd
Rock Hall, MD 21661


From: CnC-List  on behalf of nausetbeach--- via 
CnC-List 
Sent: Tuesday, November 12, 2019 4:56 PM
To: cnc-list@cnc-list.com
Cc: nausetbe...@optonline.net
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated


For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?



It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley?

It does not appear from their website that Berkeley Marine requires a survey.



I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.



Thanks,

Brian



From: CnC-List  On Behalf Of David Risch via 
CnC-List
Sent: Tuesday, November 12, 2019 3:51 PM
To: cnc-list@cnc-list.com
Cc: David Risch 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated



As am I.



I too danced on their heads about this substantial change to coverage WITHOUT 
notice.



Berkeley ticked my boxes…replacement and riders available for offshore passages 
to Bermuda.



From: CnC-List 
mailto:cnc-list-boun...@cnc-list.com>> On Behalf 
Of Bruce Whitmore via CnC-List
Sent: Tuesday, November 12, 2019 1:29 PM
To: cnc-list mailto:cnc-list@cnc-list.com>>
Cc: Bruce Whitmore mailto:bwhitm...@sbcglobal.net>>
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated



Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).



I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.



This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.



If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.



Yes, I am in the industry,



Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net<mailto:bwhitm...@sbcglobal.net>




___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Neil Andersen via CnC-List]

Anyone know if CNA is still writing boat insurance policies?   I too had a 
claim that they handled wonderfully (caused by another boat and a marina).

Neil
1982 C&C 32, FoxFire
Rock Hall, MD

Neil Andersen
20691 Jamieson Rd
Rock Hall, MD 21661


From: CnC-List  on behalf of nausetbeach--- via 
CnC-List 
Sent: Tuesday, November 12, 2019 4:56 PM
To: cnc-list@cnc-list.com
Cc: nausetbe...@optonline.net
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?

It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley?
It does not appear from their website that Berkeley Marine requires a survey.

I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.

Thanks,
Brian

From: CnC-List  On Behalf Of David Risch via 
CnC-List
Sent: Tuesday, November 12, 2019 3:51 PM
To: cnc-list@cnc-list.com
Cc: David Risch 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

As am I.

I too danced on their heads about this substantial change to coverage WITHOUT 
notice.

Berkeley ticked my boxes…replacement and riders available for offshore passages 
to Bermuda.

From: CnC-List 
mailto:cnc-list-boun...@cnc-list.com>> On Behalf 
Of Bruce Whitmore via CnC-List
Sent: Tuesday, November 12, 2019 1:29 PM
To: cnc-list mailto:cnc-list@cnc-list.com>>
Cc: Bruce Whitmore mailto:bwhitm...@sbcglobal.net>>
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).

I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.

This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.

If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.

Yes, I am in the industry,

Bruce Whitmore
1994 C&C 37/40+
"Astralis"
(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net<mailto:bwhitm...@sbcglobal.net>


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[schiller via CnC-List]

I can say that we were treated wonderfully by AutoOwners with our 
dismasting experience on Corsair (Redwing 35, C&C 35-1).  We originally 
went with AutoOwners in 1996 when we purchased Corsair because no other 
insurance company wanted to insure a 1970 hull.  AutoOwners responded 
quickly, the agent was easy to work with and after the quote for full 
repair exceeded the agreed hull value they cut us a check and let us 
know the boat was still ours to repair or dispose.  We chose to 
dispose.  Our agreed to value payout was basically enough to buy our 
newer C&C 35-3.


We insured our C&C 35-3 with Boat US since that was where she was 
already insured.  When our Redwing policy was up for renewal, our 
insurance company contacted us and I told them I assumed they were done 
with us.  They said definitely not and we changed our policy for the C&C 
35-3 over to AutoOwners.


There was no discussions with them over depreciation on the dismasting 
quote.  The would have covered everything up to the agreed to hull value.


AutoOwners has made me a convert.  I have dealt with them for two house 
claims and the dismasting and they have been easy to work with (two 
different agents, one was my deceased Mother's house).


Neil Schiller
1983 C&C 35-3, #028, "Grace"
Whitehall, Michigan
WLYC

On 11/12/2019 4:55 PM, nausetbeach--- via CnC-List wrote:


For those who have relatively recently switched insurance 
[particularly from BoatUS / Geico] to another, were you required to 
get a new / recent survey as part of the process?  Assuming the new 
policy is Agreed Value, how was that value set?


It seems many have switched to Berkeley Rec Marine.  Does anyone have 
actual claims experience with Berkeley?


It does not appear from their website that Berkeley Marine requires a 
survey.


I had a claim through Boat US back when it was CNA and the process was 
as straight forward as one could wish, no issues whatsoever.  Even 
while repairs were underway additional damage was discovered  - an 
estimate for the additional damage was sent in and a check was on its 
way.


Thanks,

Brian

*From:* CnC-List  *On Behalf Of *David 
Risch via CnC-List

*Sent:* Tuesday, November 12, 2019 3:51 PM
*To:* cnc-list@cnc-list.com
*Cc:* David Risch 
*Subject:* Re: Stus-List Boat insurance...reimbursement vs. depreciated

As am I.

I too danced on their heads about this substantial change to coverage 
WITHOUT notice.


Berkeley ticked my boxes…replacement and riders available for offshore 
passages to Bermuda.


*From:* CnC-List <mailto:cnc-list-boun...@cnc-list.com>> *On Behalf Of *Bruce Whitmore 
via CnC-List

*Sent:* Tuesday, November 12, 2019 1:29 PM
*To:* cnc-list mailto:cnc-list@cnc-list.com>>
*Cc:* Bruce Whitmore <mailto:bwhitm...@sbcglobal.net>>

*Subject:* Re: Stus-List Boat insurance...reimbursement vs. depreciated

Unfortunately the changes and problems started when Boat U.S. in 2007, 
and was exacerbated when coverage was transferred to GEICO (as opposed 
to CNA which used to issue the policies).


I made a VERY STRONG argument to them about a 18 months ago when I 
found out they had not pointed out the depreciation provision during 
the quoting process.


This is clearly a violation of insurance ethics, as they have a DUTY 
to point out the shortcomings in their policy.


If I got screwed by their depreciation rules, I would pursue an Errors 
and Omissions / Bad Faith claim against them.


Yes, I am in the industry,

Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net <mailto:bwhitm...@sbcglobal.net>


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray



___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[nausetbeach--- via CnC-List]

For those who have relatively recently switched insurance [particularly from 
BoatUS / Geico] to another, were you required to get a new / recent survey as 
part of the process?  Assuming the new policy is Agreed Value, how was that 
value set?  

 

It seems many have switched to Berkeley Rec Marine.  Does anyone have actual 
claims experience with Berkeley? 

It does not appear from their website that Berkeley Marine requires a survey. 

 

I had a claim through Boat US back when it was CNA and the process was as 
straight forward as one could wish, no issues whatsoever.  Even while repairs 
were underway additional damage was discovered  - an estimate for the 
additional damage was sent in and a check was on its way.   

 

Thanks,

Brian

 

From: CnC-List  On Behalf Of David Risch via 
CnC-List
Sent: Tuesday, November 12, 2019 3:51 PM
To: cnc-list@cnc-list.com
Cc: David Risch 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

As am I.

 

I too danced on their heads about this substantial change to coverage WITHOUT 
notice.   

 

Berkeley ticked my boxes…replacement and riders available for offshore passages 
to Bermuda.  

 

From: CnC-List mailto:cnc-list-boun...@cnc-list.com> > On Behalf Of Bruce Whitmore via 
CnC-List
Sent: Tuesday, November 12, 2019 1:29 PM
To: cnc-list mailto:cnc-list@cnc-list.com> >
Cc: Bruce Whitmore mailto:bwhitm...@sbcglobal.net> >
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).  

 

I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.

 

This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.

 

If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.

 

Yes, I am in the industry, 

 

Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
 <mailto:bwhitm...@sbcglobal.net> bwhitm...@sbcglobal.net

 

 

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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Dennis C. via CnC-List]

Want some fun reading?  Google "GEICO complaints" or "Firestone complaints".

No wonder GEICO advertises somuch.

DennisC.
Touche' 35-1 #83
Mandeville, LA
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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[David Risch via CnC-List]

As am I.

I too danced on their heads about this substantial change to coverage WITHOUT 
notice.

Berkeley ticked my boxes…replacement and riders available for offshore passages 
to Bermuda.

From: CnC-List  On Behalf Of Bruce Whitmore via 
CnC-List
Sent: Tuesday, November 12, 2019 1:29 PM
To: cnc-list 
Cc: Bruce Whitmore 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).

I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.

This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.

If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.

Yes, I am in the industry,

Bruce Whitmore
1994 C&C 37/40+
"Astralis"
(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net<mailto:bwhitm...@sbcglobal.net>


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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[David Risch via CnC-List]

David,

As do I.  I have CCEd my broker.  A sailor to boot.

From: CnC-List  On Behalf Of Joel Aronson via 
CnC-List
Sent: Tuesday, November 12, 2019 12:58 PM
To: cnc-list 
Cc: Joel Aronson 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

David,

I use Berkeley Marine through an independent broker.  No claims experience 
luckily.

Joel

On Tue, Nov 12, 2019 at 12:38 PM David E Spiro via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:

I can absolutely confirm that BoatUS/Geico depreciates to 20 percent on 
repairs, on a policy that has an agreed value.  The agreed value is for a total 
loss.  When they paid for repairs on my 1981 C&C 40 this past summer, I had to 
pay for 80% of any fitting or other part of the hull, AFTER the deductible.  
Labor is not depreciated. But…



In my case, BoatUS/Geico sent adjusters who had no experience or knowledge of 
sailboats.  The adjusters gave a ridiculously low estimate of time required to 
make repairs, and used labor rates that were less than half the prevailing 
rates in the NE US.  I then had to have every single charge over and above the 
fictional estimate approved, which took weeks.  And I had to pay for storage 
while they were approving the new charges.



They also made several accounting errors in calculating how much to reimburse 
me, and it took several weeks to explain the errors to them and have them 
corrected.  The total payout in the end was nearly ten times what they had 
first determined.



I went with them because last winter I sailed to the Bahamas, and their policy 
with additional Bahamas coverage was not very expensive.  But given that they 
do have any restrictions on what season one sails in the Bahamas, I expect 
their rates are going to go up dramatically.  (Funny how insurance companies 
adjust premia to reflect past losses, rather than pricing risk as they are 
supposed to).



I am extremely unhappy with BoatUS/Geico.  I’d welcome referrals to companies 
that will insure a boat built in 1981 for offshore sailing, or referrals to 
brokers that can find good underwriters.



David Spiro

SV Hidden Hand

City Island, NY



-Original Message-
You'll want to look very closely for issues related to depreciation.? If you 
have a policy in PDF format, you can do a search on words like "depreciate" 
"depreciation" and 20%" and you should find it.?



Bruce Whitmore

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--
Joel
301 541 8551
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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Matthew L. Wolford via CnC-List]

I submitted a claim under a BoatUS CNA policy years ago, and it was handled 
satisfactorily and professionally.  In stark contrast, I had a hard time 
getting a straight answer from GEICO about the depreciation issue (layers of 
bureaucracy).  I am not surprised that their claims process is frustrating. 

From: Bill Coleman via CnC-List 
Sent: Tuesday, November 12, 2019 1:48 PM
To: cnc-list@cnc-list.com 
Cc: Bill Coleman 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

It was also sad when they (BoatUS) ceded the BoatUS stores to West Marine, they 
were a nice alternative while they lasted.

 

After the founder of BoatUS passed away a few years ago, ( by all accounts a 
wonderful human being,) that was the beginning of the end. I think they lost 
their soul with his passing. I never hear anything but nice things about their 
insurance back then. 

 

Bill Coleman

Erie PA

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Bruce 
Whitmore via CnC-List
Sent: Tuesday, November 12, 2019 1:29 PM
To: cnc-list
Cc: Bruce Whitmore
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).  

 

I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.

 

This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.

 

If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.

 

Yes, I am in the industry, 

 

Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net

 

 




___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Bill Coleman via CnC-List]

It was also sad when they (BoatUS) ceded the BoatUS stores to West Marine, they 
were a nice alternative while they lasted.

 

After the founder of BoatUS passed away a few years ago, ( by all accounts a 
wonderful human being,) that was the beginning of the end. I think they lost 
their soul with his passing. I never hear anything but nice things about their 
insurance back then. 

 

Bill Coleman

Erie PA

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Bruce 
Whitmore via CnC-List
Sent: Tuesday, November 12, 2019 1:29 PM
To: cnc-list
Cc: Bruce Whitmore
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated

 

Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).  

 

I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.

 

This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.

 

If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.

 

Yes, I am in the industry, 

 

Bruce Whitmore

1994 C&C 37/40+

"Astralis"

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net

 

 

___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Bruce Whitmore via CnC-List]

Unfortunately the changes and problems started when Boat U.S. in 2007, and was 
exacerbated when coverage was transferred to GEICO (as opposed to CNA which 
used to issue the policies).  

I made a VERY STRONG argument to them about a 18 months ago when I found out 
they had not pointed out the depreciation provision during the quoting process.
This is clearly a violation of insurance ethics, as they have a DUTY to point 
out the shortcomings in their policy.
If I got screwed by their depreciation rules, I would pursue an Errors and 
Omissions / Bad Faith claim against them.
Yes, I am in the industry, 

Bruce Whitmore
1994 C&C 37/40+"Astralis"
(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net
 

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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Della Barba, Joe via CnC-List]

My experience with BOATUS was stellar years ago. I hit a log and bent the prop 
shaft. They didn’t even send an adjuster, just had the yard fax them an 
estimate and they paid it no question. I don’t even think I had a deductible 
because I had paid to get hauled anyway for painting. There was no depreciation 
at all. How does a prop shaft and prop “depreciate” anyway? They are good for 
decades and then you hit something and they are no longer.
It is a real shame BOATUS went down the drain.


Joe Della Barba Coquina C&C 35  MK I
www.dellabarba.com


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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Joel Aronson via CnC-List]

David,

I use Berkeley Marine through an independent broker.  No claims experience
luckily.

Joel

On Tue, Nov 12, 2019 at 12:38 PM David E Spiro via CnC-List <
cnc-list@cnc-list.com> wrote:

> I can absolutely confirm that BoatUS/Geico depreciates to 20 percent on
> repairs, on a policy that has an agreed value.  The agreed value is for a
> total loss.  When they paid for repairs on my 1981 C&C 40 this past summer,
> I had to pay for 80% of any fitting or other part of the hull, AFTER the
> deductible.  Labor is not depreciated. But…
>
>
>
> In my case, BoatUS/Geico sent adjusters who had no experience or knowledge
> of sailboats.  The adjusters gave a ridiculously low estimate of time
> required to make repairs, and used labor rates that were less than half the
> prevailing rates in the NE US.  I then had to have every single charge over
> and above the fictional estimate approved, which took weeks.  And I had to
> pay for storage while they were approving the new charges.
>
>
>
> They also made several accounting errors in calculating how much to
> reimburse me, and it took several weeks to explain the errors to them and
> have them corrected.  The total payout in the end was nearly ten times what
> they had first determined.
>
>
>
> I went with them because last winter I sailed to the Bahamas, and their
> policy with additional Bahamas coverage was not very expensive.  But given
> that they do have any restrictions on what season one sails in the Bahamas,
> I expect their rates are going to go up dramatically.  (Funny how insurance
> companies adjust premia to reflect past losses, rather than pricing risk as
> they are supposed to).
>
>
>
> I am extremely unhappy with BoatUS/Geico.  I’d welcome referrals to
> companies that will insure a boat built in 1981 for offshore sailing, or
> referrals to brokers that can find good underwriters.
>
>
>
> David Spiro
>
> SV Hidden Hand
>
> City Island, NY
>
>
>
> -Original Message-
> You'll want to look very closely for issues related to depreciation.? If
> you have a policy in PDF format, you can do a search on words like
> "depreciate" "depreciation" and 20%" and you should find it.?
>
>
>
> Bruce Whitmore
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>

-- 
Joel
301 541 8551
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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[David E Spiro via CnC-List]

I can absolutely confirm that BoatUS/Geico depreciates to 20 percent on
repairs, on a policy that has an agreed value.  The agreed value is for a
total loss.  When they paid for repairs on my 1981 C&C 40 this past summer,
I had to pay for 80% of any fitting or other part of the hull, AFTER the
deductible.  Labor is not depreciated. But.

 

In my case, BoatUS/Geico sent adjusters who had no experience or knowledge
of sailboats.  The adjusters gave a ridiculously low estimate of time
required to make repairs, and used labor rates that were less than half the
prevailing rates in the NE US.  I then had to have every single charge over
and above the fictional estimate approved, which took weeks.  And I had to
pay for storage while they were approving the new charges.

 

They also made several accounting errors in calculating how much to
reimburse me, and it took several weeks to explain the errors to them and
have them corrected.  The total payout in the end was nearly ten times what
they had first determined.

 

I went with them because last winter I sailed to the Bahamas, and their
policy with additional Bahamas coverage was not very expensive.  But given
that they do have any restrictions on what season one sails in the Bahamas,
I expect their rates are going to go up dramatically.  (Funny how insurance
companies adjust premia to reflect past losses, rather than pricing risk as
they are supposed to).

 

I am extremely unhappy with BoatUS/Geico.  I'd welcome referrals to
companies that will insure a boat built in 1981 for offshore sailing, or
referrals to brokers that can find good underwriters.

 

David Spiro

SV Hidden Hand

City Island, NY

 

-Original Message-
You'll want to look very closely for issues related to depreciation.? If you
have a policy in PDF format, you can do a search on words like "depreciate"
"depreciation" and 20%" and you should find it.? 

 

Bruce Whitmore

 

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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[James Nichols via CnC-List]

 
Bruce,
Just an FYI, the ISO for watercraft is WT 00 01.  Most companies either follow 
the ISO because they have been tested in court for the language used, or 
because the ISO has already been approved by the state so they don't have to 
get their own policy approved.  

There are many companies that do use their own policies as you said, but they 
are based on the ISO with some changes to the language as they try to exclude 
something that the base policy doesn't.  Typically, that language is tested in 
court pretty quickly and if they lose, they tend to revert their language back 
to the original base policy.  The mid-west company I worked for for a few years 
went that route.  They managed to win a few court cases so some of their 
language became standardized among other 'write your own' carriers.
There is one other policy standard that exists that I forgot about until now.  
Lloyd's of London.  They write a policy that uses some of the language that I 
have seen other's mention in this string that you don't find in ISO forms.  
Progressive, Heritage and others resell Lloyd's whenever they get a policy that 
doesn't fall into their normal book of business (types of policies they 
specialize in).  I've not dealt with a lot of Lloyd's policies, but they are 
definitely different.  If anyone on this list has a Lloyd's policy, I highly 
recommend the coverage review I mentioned earlier.  Very highly.
JamesOn Monday, November 11, 2019, 07:10:08 PM CST, 
cnc-list-requ...@cnc-list.com  wrote:  
 
 Send CnC-List mailing list submissions to
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Today's Topics:

  1. Re:  Boat insurance...reimbursement vs. depreciated
      coverage... (Bruce Whitmore)
  2. Re:  Boat insurance...reimbursement vs. depreciated coverage
      (kasel...@q.com)
  3.  Marco Pumps UP3E (Bill Coleman)
  4. Re:  Boat insurance...reimbursement vs. depreciated
      (James Nichols)
  5. Re:  Boat insurance...reimbursement vs. depreciated
      (Bruce Whitmore)


--

Message: 1
Date: Mon, 11 Nov 2019 21:46:04 +0000 (UTC)
From: Bruce Whitmore 
To: Allen Miles via CnC-List 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated
    coverage...
Message-ID: <1561640048.2547048.1573508764...@mail.yahoo.com>
Content-Type: text/plain; charset="utf-8"

You'll want to look very closely for issues related to depreciation.? If you 
have a policy in PDF format, you can do a search on words like "depreciate" 
"depreciation" and 20%" and you should find it.? 

Bruce Whitmore

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net
 

    On Monday, November 11, 2019, 4:18:10 PM EST, Allen Miles via CnC-List 
 wrote:  
 
 I have agreed hull value with BoatUS.? I don't remember seeing a change in 
coverage.
Allen MilesS/v SeptimaC&C 30-2
Hampton, VA

On Sun, Nov 10, 2019 at 4:39 PM David Risch via CnC-List 
 wrote:


I may be repeating myself here, but it bears repeating.? Check your boat 
coverage.? BoatIUS had reimbursement coverage before they switched to GEICO as 
their carrier last year.? Now it is depreciated value coverage.? Reimbursement 
coverage pays for replacing damages up to the agreed value.? Depreciated 
coverage drops to 20% over time to where most of our boats would only receive 
20% of fixing damages!?? I switched coverage when I learned of this and I still 
pay the same premium.

?

I bring this up because one of our brethren has been caught by this issue after 
a recent incident.? If your broker cannot find a reimbursement carrier, let me 
know.? I will provide the contact info of my guy.?
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Message: 2
Date: Mon, 11 Nov 2019 15:15:07 -0800
From: kase

Re: Stus-List Boat insurance...reimbursement vs. depreciated

[Bruce Whitmore via CnC-List]

I agree with everything James said except for the bit about ISO forms.  Yes, 
ISO forms are pretty standard for Homeowners, Renters, and even Commercial 
General Liability.  For boats, however, I have not seen the standard ISO forms, 
meaning that each carrier's policy may differ, even substantially.  That means 
that one should not rely on having standard policy language that is only 
altered by endorsements.  

Just my $.02 worth, 

Bruce Whitmore

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net
 

On Monday, November 11, 2019, 7:01:38 PM EST, James Nichols via CnC-List 
 wrote:  
 
 Some terms to know if you are dealing with a claim. 
Replacement Cost Value (RCV) - this is the cost of buying a new boat or part in 
today's dollars.  You probably have your boat insured for this amount. 
Actual Cash Value (ACV) - the amount that a boat or part is worth after 
depreciation is applied. 
Depreciation - everything has an average expected lifespan. Similar to how cars 
lose value (depreciate) the minute you drive off the lot, so do boats.  Boats 
depreciate as a whole, similar to the way cars do. But parts, like winches, 
also depreciate individually. 
Most parts are estimated to last less than 20 years. 
For example cushions may have an average life of 5 years. The wood table 15 
years, the engine 20 years.  Etc.
The hull, mast and stainless tubing will probably have longer lifespans 
estimated.  35-50 years.
Depreciation is calculated by dividing the age of the item by the expected 
lifespan.  So 3 year old cushions will be depreciated by 60%.
Recoverable vs. non-recoverable depreciation - your policy may be a RCV policy 
or it may be an ACV policy.   If you have an ACV policy,  all you ever get is 
the ACV of the part being replaced. So you can not recover the depreciation. 
If you have a RCV policy,  they hold the depreciation until you do the repairs 
or replace the item meaning you recover (are reimbursed for) the full cost to 
repair or replace the items. 
Once you do the repairs,  you submit your invoice and they reimburse you. 
I have a lot of experience with home owners claims,  and not as much with 
automotive or boats,  but from my understanding some policies for boats and 
autos always depreciate materials and materials are always ACV and only the 
labor is recoverable.  
Check with your agent to find out the exact details of your policy. 
You can also nearly always add endorsements to your policy to make it pay for 
'everything' but that drives up the cost of the policy. 
>From what I have seen in my 10+ years in the industry,  most people aren't 
>insured the way they think they are which is the reason why some of you left 
>your previous providers and went with new providers. 
Nearly every policy provided by all carriers is identical,  because they all 
pretty much just use a standard ISO form.  But the agent at your new insurance 
policy listened to the issues you had and added endorsements to provide 
coverage to make sure you spent have the same issue again.  
If you get coverage review requests from your agent,  you should probably take 
them up on it.  They probably send you a request about once a year. 
I know this was long,  but I hope it cleared up some questions about what and 
why things happen in a claim. 
James___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Boat insurance...reimbursement vs. depreciated

[James Nichols via CnC-List]

Some terms to know if you are dealing with a claim. 
Replacement Cost Value (RCV) - this is the cost of buying a new boat or part in 
today's dollars.  You probably have your boat insured for this amount. 
Actual Cash Value (ACV) - the amount that a boat or part is worth after 
depreciation is applied. 
Depreciation - everything has an average expected lifespan. Similar to how cars 
lose value (depreciate) the minute you drive off the lot, so do boats.  Boats 
depreciate as a whole, similar to the way cars do. But parts, like winches, 
also depreciate individually. 
Most parts are estimated to last less than 20 years. 
For example cushions may have an average life of 5 years. The wood table 15 
years, the engine 20 years.  Etc.
The hull, mast and stainless tubing will probably have longer lifespans 
estimated.  35-50 years.
Depreciation is calculated by dividing the age of the item by the expected 
lifespan.  So 3 year old cushions will be depreciated by 60%.
Recoverable vs. non-recoverable depreciation - your policy may be a RCV policy 
or it may be an ACV policy.   If you have an ACV policy,  all you ever get is 
the ACV of the part being replaced. So you can not recover the depreciation. 
If you have a RCV policy,  they hold the depreciation until you do the repairs 
or replace the item meaning you recover (are reimbursed for) the full cost to 
repair or replace the items. 
Once you do the repairs,  you submit your invoice and they reimburse you. 
I have a lot of experience with home owners claims,  and not as much with 
automotive or boats,  but from my understanding some policies for boats and 
autos always depreciate materials and materials are always ACV and only the 
labor is recoverable.  
Check with your agent to find out the exact details of your policy. 
You can also nearly always add endorsements to your policy to make it pay for 
'everything' but that drives up the cost of the policy. 
>From what I have seen in my 10+ years in the industry,  most people aren't 
>insured the way they think they are which is the reason why some of you left 
>your previous providers and went with new providers. 
Nearly every policy provided by all carriers is identical,  because they all 
pretty much just use a standard ISO form.  But the agent at your new insurance 
policy listened to the issues you had and added endorsements to provide 
coverage to make sure you spent have the same issue again.  
If you get coverage review requests from your agent,  you should probably take 
them up on it.  They probably send you a request about once a year. 
I know this was long,  but I hope it cleared up some questions about what and 
why things happen in a claim. 
James___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage

[Dave. via CnC-List]

Be careful to understand your insurance policy. Lots of terms like “replacement 
value” or “agreed value” or “new for old” have different definitions. See the 
definitions section of your policy. Sometimes the “agreed value” provision 
applies only in the case of a total loss while a “depreciated value” provision 
is applied in case of a partial loss. If you purchase your insurance from a 
“marine” broker or even a “marine” agent you should be able to get straight 
answers about how claims will be handled but if you are buying your insurance 
from the same person you are buying your home owners or auto coverage you may 
find the broker/agent less knowledgeable about your yacht/boat policy because 
it’s a very different product. And remember that a “broker” works for you while 
an “agent” works for the insurance company. Property/casualty insurances are 
regulated by your state’s insurance commissioner while a true “ marine” policy 
falls under federal jurisdiction. A lower price often equates to less coverage. 
I suggest you be very careful here. Just my opinion. 
Dave. Kaseler
SLY 1975 C&C 33



Sent from my iPad

> On Nov 11, 2019, at 12:29 PM, Francois Rivard via CnC-List 
>  wrote:
> 
> I have agreed upon value with Allstate.  Straight-up agreed-upon value 
> coverage, 35-40% cheaper than Boat US and Geico.  (Geico's been insuring my 
> cars since the 90's but they wouldn't  / couldn't compete with Allstate.) 
> 
> I'm on an inland lake / that most likely makes a difference.  
> Your actual mileage may vary. 
> 
> -Francois Rivard
> 1990 34+ "Take Five" 
> Lake Lanier, GA
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 


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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Bruce Whitmore via CnC-List]

You'll want to look very closely for issues related to depreciation.  If you 
have a policy in PDF format, you can do a search on words like "depreciate" 
"depreciation" and 20%" and you should find it.  

Bruce Whitmore

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net
 

On Monday, November 11, 2019, 4:18:10 PM EST, Allen Miles via CnC-List 
 wrote:  
 
 I have agreed hull value with BoatUS.  I don't remember seeing a change in 
coverage.
Allen MilesS/v SeptimaC&C 30-2
Hampton, VA

On Sun, Nov 10, 2019 at 4:39 PM David Risch via CnC-List 
 wrote:


I may be repeating myself here, but it bears repeating.  Check your boat 
coverage.  BoatIUS had reimbursement coverage before they switched to GEICO as 
their carrier last year.  Now it is depreciated value coverage.  Reimbursement 
coverage pays for replacing damages up to the agreed value.  Depreciated 
coverage drops to 20% over time to where most of our boats would only receive 
20% of fixing damages!   I switched coverage when I learned of this and I still 
pay the same premium.

 

I bring this up because one of our brethren has been caught by this issue after 
a recent incident.  If your broker cannot find a reimbursement carrier, let me 
know.  I will provide the contact info of my guy. 
___

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___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Matthew L. Wolford via CnC-List]

The change was that things other than the agreed upon hull value depreciate for 
older boats.  I saw the new provision in my GEICO policy after this list 
alerted me to it.

From: Allen Miles via CnC-List 
Sent: Monday, November 11, 2019 4:17 PM
To: CNC 
Cc: Allen Miles 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated 
coverage...

I have agreed hull value with BoatUS.  I don't remember seeing a change in 
coverage.

Allen Miles
S/v Septima
C&C 30-2

Hampton, VA


On Sun, Nov 10, 2019 at 4:39 PM David Risch via CnC-List 
 wrote:

  I may be repeating myself here, but it bears repeating.  Check your boat 
coverage.  BoatIUS had reimbursement coverage before they switched to GEICO as 
their carrier last year.  Now it is depreciated value coverage.  Reimbursement 
coverage pays for replacing damages up to the agreed value.  Depreciated 
coverage drops to 20% over time to where most of our boats would only receive 
20% of fixing damages!   I switched coverage when I learned of this and I still 
pay the same premium. 



  I bring this up because one of our brethren has been caught by this issue 
after a recent incident.  If your broker cannot find a reimbursement carrier, 
let me know.  I will provide the contact info of my guy.  

  ___

  Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray





___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Allen Miles via CnC-List]

I have agreed hull value with BoatUS.  I don't remember seeing a change in
coverage.

Allen Miles
S/v Septima
C&C 30-2
Hampton, VA

On Sun, Nov 10, 2019 at 4:39 PM David Risch via CnC-List <
cnc-list@cnc-list.com> wrote:

> I may be repeating myself here, but it bears repeating.  Check your boat
> coverage.  BoatIUS had reimbursement coverage before they switched to GEICO
> as their carrier last year.  Now it is depreciated value coverage.
> Reimbursement coverage pays for replacing damages up to the agreed value.
> Depreciated coverage drops to 20% over time to where most of our boats
> would only receive 20% of fixing damages!   I switched coverage when I
> learned of this and I still pay the same premium.
>
>
>
> I bring this up because one of our brethren has been caught by this issue
> after a recent incident.  If your broker cannot find a reimbursement
> carrier, let me know.  I will provide the contact info of my guy.
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage

[Bruce Whitmore via CnC-List]

You shouldconfirm how salvage is treated.  That can be a real shock.  Also, you 
should confirm if pollution from a sinking or spillage is covered.
Hoping you find this helpful, 

Bruce Whitmore

(847) 404-5092 (mobile)
bwhitm...@sbcglobal.net
 

On Monday, November 11, 2019, 3:30:01 PM EST, Francois Rivard via CnC-List 
 wrote:  
 
 I have agreed upon value with Allstate.  Straight-up agreed-upon value 
coverage, 35-40% cheaper than Boat US and Geico.  (Geico's been insuring my 
cars since the 90's but they wouldn't  / couldn't compete with Allstate.) 
I'm on an inland lake / that most likely makes a difference.  Your actual 
mileage may vary. 

-Francois Rivard1990 34+ "Take Five" Lake Lanier, 
GA___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Bill Coleman via CnC-List]

You were that boat I saw! 

smileyAnimated.gif

 

Bill Coleman

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of sv Rebecca 
Leah via CnC-List
Sent: Monday, November 11, 2019 12:42 PM
To: cnc-list@cnc-list.com
Cc: sv Rebecca Leah
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated 
coverage...

 

I have Red Shield, no problems on claim when I hit a bridge. Don't ask. 

 

 

 

Doug Mountjoy 

Sv Rebecca Leah 

C&C LF39

253-208-1412

Port Orchard YC wa.

 

 Original message 

From: "Matthew L. Wolford via CnC-List"  

Date: 11/10/19 17:10 (GMT-08:00) 

To: cnc-list@cnc-list.com 

Cc: "Matthew L. Wolford"  

Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated 
coverage... 

 

It is also why I switched to Travelers.

 

From: Joe Della <mailto:cnc-list@cnc-list.com>  Barba via CnC-List 

Sent: Sunday, November 10, 2019 5:43 PM

To: cnc-list@cnc-list.com 

Cc: Joe Della Barba <mailto:j...@dellabarba.com>  

Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated 
coverage...

 

This is why I just switched to Progressive. How the  does STAINLESS STEEL 
depreciate?

Joe

Coquina

 

 

On 11/10/2019 5:36 PM, Danny Haughey via CnC-List wrote:

Geico marine insurance is depreciating my anchor roller, blow pulpit and 
stanchions by 80% because they say those parts are from 1985...

 

 

 

Thanks,  

Danny

 

  _  

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[sv Rebecca Leah via CnC-List]

I have Red Shield, no problems on claim when I hit a bridge. Don't ask. Doug 
Mountjoy Sv Rebecca Leah C&C LF39253-208-1412Port Orchard YC wa.
 Original message From: "Matthew L. Wolford via CnC-List" 
 Date: 11/10/19  17:10  (GMT-08:00) To: 
cnc-list@cnc-list.com Cc: "Matthew L. Wolford"  Subject: Re: 
Stus-List Boat insurance...reimbursement vs. depreciated coverage... 


It is also why I switched to Travelers.


 

From: Joe Della Barba via CnC-List 
Sent: Sunday, November 10, 2019 5:43 PM
To: cnc-list@cnc-list.com 
Cc: Joe 
Della Barba 
Subject: Re: Stus-List Boat insurance...reimbursement vs. 
depreciated coverage...
 

This is why I just switched to Progressive. How the  does STAINLESS STEEL 
depreciate?
Joe
Coquina
 
 
On 11/10/2019 5:36 PM, Danny Haughey via CnC-List 
wrote:

  Geico marine insurance is depreciating my anchor roller, blow pulpit and 
  stanchions by 80% because they say those parts are from 1985...
   
   
   
  Thanks,  
  Danny


___Thanks everyone for 
supporting this list with your contributions.  Each and every one is 
greatly appreciated.  If you want to support the list - use PayPal to send 
contribution --   
https://www.paypal.me/stumurray___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Matthew L. Wolford via CnC-List]

After this discussion emerged on this list a year or two ago, I contacted GEICO 
(which had become the Boat US insurer) and asked whether, if I were dismasted, 
the depreciation would apply.  They looked into it and replied yes.  As I 
recall, there was a 20% floor.  In other words, if I got dismasted, I would 
have to pay 80% of the replacement cost.  I have a 42 foot boat with a 60 foot 
mast.  I was on the phone to Travelers that day.

From: ALAN BERGEN via CnC-List 
Sent: Sunday, November 10, 2019 5:27 PM
To: C&C 
Cc: ALAN BERGEN 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated 
coverage...

I have Geico Insurance through BoatUS. Agreed value is agreed value. They only 
depreciate items that are depreciable, like sails or the engine. A couple of 
years ago, my boom cracked after getting hung up on a crab pot. Geico paid the 
full cost of replacing the boom - parts and labor, with no depreciation. I 
suspect your new insurance company's policy does the same thing.


Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR


On Sun, Nov 10, 2019 at 1:39 PM David Risch via CnC-List 
 wrote:

  I may be repeating myself here, but it bears repeating.  Check your boat 
coverage.  BoatIUS had reimbursement coverage before they switched to GEICO as 
their carrier last year.  Now it is depreciated value coverage.  Reimbursement 
coverage pays for replacing damages up to the agreed value.  Depreciated 
coverage drops to 20% over time to where most of our boats would only receive 
20% of fixing damages!   I switched coverage when I learned of this and I still 
pay the same premium. 



  I bring this up because one of our brethren has been caught by this issue 
after a recent incident.  If your broker cannot find a reimbursement carrier, 
let me know.  I will provide the contact info of my guy.  

  ___

  Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   
https://urldefense.proofpoint.com/v2/url?u=https-3A__www.paypal.me_stumurray&d=DwICAg&c=clK7kQUTWtAVEOVIgvi0NU5BOUHhpN0H8p7CSfnc_gI&r=9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=k2Lt-SG6o9I03vcyylQHhk3NCZ4wYxvCecLDss6-pRQ&s=9rx_5cAXI0FUZ8v4mk3THOkZozwGMz4wlqzriOi9sak&e=
 





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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Matthew L. Wolford via CnC-List]

It is also why I switched to Travelers.

From: Joe Della Barba via CnC-List 
Sent: Sunday, November 10, 2019 5:43 PM
To: cnc-list@cnc-list.com 
Cc: Joe Della Barba 
Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated 
coverage...

This is why I just switched to Progressive. How the  does STAINLESS STEEL 
depreciate?

Joe

Coquina





On 11/10/2019 5:36 PM, Danny Haughey via CnC-List wrote:

  Geico marine insurance is depreciating my anchor roller, blow pulpit and 
stanchions by 80% because they say those parts are from 1985...



  Thanks,  
  Danny





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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[ALAN BERGEN via CnC-List]

Speak to a supervisor. There should be no depreciation for those parts.

On Sun, Nov 10, 2019 at 2:37 PM Danny Haughey via CnC-List <
cnc-list@cnc-list.com> wrote:

> Geico marine insurance is depreciating my anchor roller, blow pulpit and
> stanchions by 80% because they say those parts are from 1985...
>
>
>
> Thanks,
> Danny
>
>  Original message 
> From: ALAN BERGEN via CnC-List 
> Date: 11/10/19 5:27 PM (GMT-05:00)
> To: C&C 
> Cc: ALAN BERGEN 
> Subject: Re: Stus-List Boat insurance...reimbursement vs. depreciated
> coverage...
>
> I have Geico Insurance through BoatUS. Agreed value is agreed value. They
> only depreciate items that are depreciable, like sails or the engine. A
> couple of years ago, my boom cracked after getting hung up on a crab pot.
> Geico paid the full cost of replacing the boom - parts and labor, with no
> depreciation. I suspect your new insurance company's policy does the same
> thing.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
> On Sun, Nov 10, 2019 at 1:39 PM David Risch via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I may be repeating myself here, but it bears repeating.  Check your boat
>> coverage.  BoatIUS had reimbursement coverage before they switched to GEICO
>> as their carrier last year.  Now it is depreciated value coverage.
>> Reimbursement coverage pays for replacing damages up to the agreed value.
>> Depreciated coverage drops to 20% over time to where most of our boats
>> would only receive 20% of fixing damages!   I switched coverage when I
>> learned of this and I still pay the same premium.
>>
>>
>>
>> I bring this up because one of our brethren has been caught by this issue
>> after a recent incident.  If your broker cannot find a reimbursement
>> carrier, let me know.  I will provide the contact info of my guy.
>> ___
>>
>> Thanks everyone for supporting this list with your contributions.  Each
>> and every one is greatly appreciated.  If you want to support the list -
>> use PayPal to send contribution --
>> https://urldefense.proofpoint.com/v2/url?u=https-3A__www.paypal.me_stumurray&d=DwICAg&c=clK7kQUTWtAVEOVIgvi0NU5BOUHhpN0H8p7CSfnc_gI&r=9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=k2Lt-SG6o9I03vcyylQHhk3NCZ4wYxvCecLDss6-pRQ&s=9rx_5cAXI0FUZ8v4mk3THOkZozwGMz4wlqzriOi9sak&e=
>>
>>
>
> 
> *How To Fix Aging Skin (Do This Every Day)*
> Beverly Hills MD
>
> <https://urldefense.proofpoint.com/v2/url?u=http-3A__thirdpartyoffers.juno.com_TGL3142_5dc890e14ee6810e0552ast03duc&d=DwMGaQ&c=clK7kQUTWtAVEOVIgvi0NU5BOUHhpN0H8p7CSfnc_gI&r=9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=BFgtknZgpeUxRRpefyPNfrexTYluRyV_5NRQk-Fzt7s&s=UohjJ82Qdhw2gvJyLArQTwkkrYtrEfuweAezLAzQook&e=>
> http://thirdpartyoffers.juno.com/TGL3142/5dc890e14ee6810e0552ast03duc
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> use PayPal to send contribution --
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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Joe Della Barba via CnC-List]

This is why I just switched to Progressive. How the  does STAINLESS 
STEEL depreciate?


Joe

Coquina



On 11/10/2019 5:36 PM, Danny Haughey via CnC-List wrote:
Geico marine insurance is depreciating my anchor roller, blow pulpit 
and stanchions by 80% because they say those parts are from 1985...




Thanks,
Danny

___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Danny Haughey via CnC-List]

Geico marine insurance is depreciating my anchor roller, blow pulpit and 
stanchions by 80% because they say those parts are from 1985...Thanks, Danny
 Original message From: ALAN BERGEN via CnC-List 
 Date: 11/10/19  5:27 PM  (GMT-05:00) To: C&C 
 Cc: ALAN BERGEN  Subject: Re: 
Stus-List Boat insurance...reimbursement vs. depreciated coverage... I have 
Geico Insurance through BoatUS. Agreed value is agreed value. They only 
depreciate items that are depreciable, like sails or the engine. A couple of 
years ago, my boom cracked after getting hung up on a crab pot. Geico paid the 
full cost of replacing the boom - parts and labor, with no depreciation. I 
suspect your new insurance company's policy does the same thing.Alan Bergen35 
Mk III ThirstyRose City YCPortland, OROn Sun, Nov 10, 2019 at 1:39 PM David 
Risch via CnC-List  wrote:







I may be repeating myself here, but it bears repeating.  Check your boat 
coverage.  BoatIUS had reimbursement coverage before they switched to GEICO as 
their carrier last year.  Now it is depreciated value coverage.  Reimbursement 
coverage
 pays for replacing damages up to the agreed value.  Depreciated coverage drops 
to 20% over time to where most of our boats would only receive 20% of fixing 
damages!   I switched coverage when I learned of this and I still pay the same 
premium.

 
I bring this up because one of our brethren has been caught by this issue after 
a recent incident.  If your broker cannot find a reimbursement carrier, let me 
know.  I will provide the contact info of my guy. 




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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[ALAN BERGEN via CnC-List]

I have Geico Insurance through BoatUS. Agreed value is agreed value. They
only depreciate items that are depreciable, like sails or the engine. A
couple of years ago, my boom cracked after getting hung up on a crab pot.
Geico paid the full cost of replacing the boom - parts and labor, with no
depreciation. I suspect your new insurance company's policy does the same
thing.

Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR

On Sun, Nov 10, 2019 at 1:39 PM David Risch via CnC-List <
cnc-list@cnc-list.com> wrote:

> I may be repeating myself here, but it bears repeating.  Check your boat
> coverage.  BoatIUS had reimbursement coverage before they switched to GEICO
> as their carrier last year.  Now it is depreciated value coverage.
> Reimbursement coverage pays for replacing damages up to the agreed value.
> Depreciated coverage drops to 20% over time to where most of our boats
> would only receive 20% of fixing damages!   I switched coverage when I
> learned of this and I still pay the same premium.
>
>
>
> I bring this up because one of our brethren has been caught by this issue
> after a recent incident.  If your broker cannot find a reimbursement
> carrier, let me know.  I will provide the contact info of my guy.
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --
> https://urldefense.proofpoint.com/v2/url?u=https-3A__www.paypal.me_stumurray&d=DwICAg&c=clK7kQUTWtAVEOVIgvi0NU5BOUHhpN0H8p7CSfnc_gI&r=9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=k2Lt-SG6o9I03vcyylQHhk3NCZ4wYxvCecLDss6-pRQ&s=9rx_5cAXI0FUZ8v4mk3THOkZozwGMz4wlqzriOi9sak&e=
>
>
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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Danny Haughey via CnC-List]

It's actually only on parts you can't prove are not over 20 years old.  Then 
the parts reimbursement starts dropping off.  Labor is covered 100%Thanks, Danny
 Original message From: David Risch via CnC-List 
 Date: 11/10/19  4:39 PM  (GMT-05:00) To: 
cnc-list@cnc-list.com Cc: David Risch  Subject: Stus-List 
Boat insurance...reimbursement vs. depreciated coverage... 

I may be repeating myself here, but it bears repeating.  Check your boat 
coverage.  BoatIUS had reimbursement coverage before they switched to GEICO as 
their carrier last year.  Now it is depreciated value coverage.  Reimbursement 
coverage
 pays for replacing damages up to the agreed value.  Depreciated coverage drops 
to 20% over time to where most of our boats would only receive 20% of fixing 
damages!   I switched coverage when I learned of this and I still pay the same 
premium.

 
I bring this up because one of our brethren has been caught by this issue after 
a recent incident.  If your broker cannot find a reimbursement carrier, let me 
know.  I will provide the contact info of my guy. 




$80K In Debt To 2.5 Million Trading Stocks
ragingbull.com
http://thirdpartyoffers.juno.com/TGL3141/5dc88a035f22ea0250aest02vuc___

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Re: Stus-List Boat insurance...reimbursement vs. depreciated coverage...

[Josh Muckley via CnC-List]

I got North American Specialty Insurance Company - agreed value.

Josh Muckley
S/V Sea Hawk
1989 C&C 37+
Solomons, MD



On Sun, Nov 10, 2019, 3:39 PM David Risch via CnC-List <
cnc-list@cnc-list.com> wrote:

> I may be repeating myself here, but it bears repeating.  Check your boat
> coverage.  BoatIUS had reimbursement coverage before they switched to GEICO
> as their carrier last year.  Now it is depreciated value coverage.
> Reimbursement coverage pays for replacing damages up to the agreed value.
> Depreciated coverage drops to 20% over time to where most of our boats
> would only receive 20% of fixing damages!   I switched coverage when I
> learned of this and I still pay the same premium.
>
>
>
> I bring this up because one of our brethren has been caught by this issue
> after a recent incident.  If your broker cannot find a reimbursement
> carrier, let me know.  I will provide the contact info of my guy.
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
___

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Re: Stus-List Boat Insurance

[Bruce Whitmore via CnC-List]

I recently moved from Novamar (brokerage recommended by my broker) to Boat U.S. 
 I have had excellent experience with Boat U.S. over the last 20 years, and 
after Hurricane Irma got us concerned last year, I vowed to re-shop the 
insurance this year and go with a more "known" market.  Boat U.S. was 
previously covered through CNA, but now is Geico due to the ownership by Warren 
Buffett.  However, if my memory serves me correctly, it is Boat U.S. who drives 
the policy language and claims settlement procedures.  Not only that, I 
consider the A.M. Best rating of the carrier, as I'm in the business.
In the end, Boat U.S. was less expensive than the quote from my expiring 
carrier, and given the combination of the Best rating and my experience with 
their claims staff, I stopped looking elsewhere.  

By the way, I stopped by a couple insurance brokers' booths at the St. Pete 
boat show, and gave them opportunities to quote.  They were not competitive.
All this being said, marine insurance, like many other types, is greatly 
impacted by location, value of the boat, year of the boat, etc.  I know some 
brokers that won't even consider quoting until the boat exceeds $10 Million in 
value.  There are also lots of companies that don't want hurricane exposure, 
stay away from Florida, etc.
So, no one solution will work for everyone.  Yet, knowing about all the 
potential alternatives is a great thing, and kudos go to the list for that!

Kindest Regards, 

Bruce Whitmore1994 C&C 37/40+, "Astralis"Madiera Beach, FL

bwhitm...@sbcglobal.net


  From: Matthew L. Wolford via CnC-List 
 To: cnc-list@cnc-list.com 
Cc: Matthew L. Wolford 
 Sent: Monday, February 5, 2018 1:45 PM
 Subject: Re: Stus-List Boat Insurance
   
I assume you saw my e-mail note over the weekend where I went through GEICO’s 
on-line quote process.  In my case, in 2017 I paid a $1040 annual premium 
versus a $523 on-line quote for the same or better coverage (and slightly 
higher hull value).  All you did was remind me about the call I planned to 
make. Besides, I’m not going to rat you out. From: Frederick G Street via 
CnC-List Sent: Monday, February 05, 2018 1:26 PMTo: cnc-list@cnc-list.com Cc: 
Frederick G Street Subject: Re: Stus-List Boat Insurance Once Geico finds out I 
started an avalanche, they’re going to raise my rates again…  — Fred

Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

 On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List 
 wrote:    Well done, Fred.  On the phone now.      
From: Frederick G Street via CnC-List Sent: Monday, February 05, 2018 11:51 AM 
To: cnc-list@cnc-list.com Cc: Frederick G Street Subject: Re: Stus-List Boat 
Insurance   I’ve been on the phone with Geico Marine this morning, trying to 
get a straight answer as to why the premium for my current policy (rolled over 
from BoatUS) is nearly 50% higher than a quote I got online over the weekend 
with the same deductibles and coverage.    This is on an agreed hull value of 
$50,000 (yes, I know that’s really high for my boat, but I haven’t seen any 
reason to change it…), with 1% deductible and $500,000 of liability; and covers 
sailing on the Great Lakes and tributaries.  My BoatUS premium was a little 
under $700.00; when it moved to Geico it went up to $852.00.  The quote I got 
online was for $571.00.
   In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.   After talking at length with an underwriter and reviewing my 
policy, the agent just called back: my renewal in March will cost $494.00.   I 
guess it pays to be the squeaky wheel sometimes…   — Fred
     
Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(
 ___

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___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --  https://www.paypal.me/stumurray



   ___

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Re: Stus-List Boat Insurance

[ALAN BERGEN via CnC-List]

C'mon guys.  Let's not start this again.  This is a C&C list, not an
automobile list.

Alan Bergen

Alan


On Mon, Feb 5, 2018 at 4:38 PM, Leslie Paal via CnC-List <
cnc-list@cnc-list.com> wrote:

> my first car was an MGA.  Almost the most fun car I had, despite the lack
> of power.
>
> Leslie.
>
> 
> On Mon, 2/5/18, bushmark4--- via CnC-List  wrote:
>
>  Subject: Re: Stus-List Boat Insurance
>  To: cnc-list@cnc-list.com
>  Cc: bushma...@aol.com
>  Date: Monday, February 5, 2018, 8:35 AM
>
>
>   A great car...I had a couple of
>  Bug-Eye Spritesand an MGA; fun to drive but I hated
>  those electric fuel pumps!
>
>
>
>
>
>
>
>
>
>  Richard
>
>
>  s/v/ Bushmark4: 1985 C&C 37 CB; Ohio River;
>
>
>
>
>
>
>
>  Richard N. Bush
>
>  2950 Breckenridge Lane, Suite Nine
>
>  Louisville, Kentucky 40220-1462
>
>  502-584-7255
>
>
>
>
>
>
>
>
>
>
>  -Original
>  Message-
>
>  From: Randy Stafford via CnC-List
>  
>
>  To: cnc-list 
>
>  Cc: Randy Stafford 
>
>  Sent: Mon, Feb 5, 2018 11:32 am
>
>  Subject: Re: Stus-List Boat Insurance
>
>
>
>
>
>
>
>  A Triumph Spitfire.  My best
>  buddy in high school had one of those, bright yellow.  We
>  tried hard to roll it with high-speed cornering, but never
>  succeeded.
>
>
>
>
>  Cheers,
>
>  Randy
>
>
>
>
>
>  On Feb 5, 2018, at 9:22 AM, Chuck Gilchrest via
>  CnC-List 
>  wrote:
>
>
>
>  My agent booked my policy through Hagerty as a
>  “classic boat”.  I’m limited to 200 miles offshore
>  and runs about $800 but it hasn’t gone up in 3 years.  By
>  having both a classic boat and car policy, my Triumph
>  Spitfire insures for $85 per year for full coverage.
>
>  Chuck Gilchrest
>  S/V Half Magic
>
>  1983 35 LF
>
>  Padanaram MA
>
>
>  Sent from my iPhone
>
>
>
>  On Feb 5, 2018, at 11:06 AM, Jim Giffing via CnC-List <
> cnc-list@cnc-list.com>
>  wrote:
>
>
>
>
>
>
>
>
>
>
>  Sadly American Family does not seem to cover the
>  Chesapeake. :(
>
>
>
>
>  Jim
>
>
>  S/V Strong Tower
>
>
>  1977 C&C 29 MK 1
>
>
>  North East, MD
>
>
>
>
>
>  On Sun, Feb 4,
>  2018 at 12:00 PM,  
>  wrote:
>
>  Send CnC-List mailing list
>  submissions to
>
>
>  cnc-list@cnc-list.com
>
>
>
>
>
>  To subscribe or unsubscribe via the World Wide Web, visit
>
>
>  https://urldefense.proofpoint.com/v2/url?u=http-3A__cnc-
> 2Dlist.com_mailman_&d=DwIGaQ&c=clK7kQUTWtAVEOVIgvi0NU5BOUHhpN
> 0H8p7CSfnc_gI&r=9w3G7Cf8YfQnrjmtuNxwDJYr3JMv9f1pAfgAJ9xXYQQ&m=34VRI-dU7-
> ZYYltqEWqmw-iSuQAV2wKzoiW4vaNUTk4&s=1RzmUoqhxxtz9hvqhbTPYqvw1fldEx
> bepODuYG4SolI&e=
>  listinfo/cnc-list_cnc-list.com
>
>
>  or, via email, send a message with subject or body
>  'help' to
>
>
>  cnc-list-requ...@cnc-list.com
>
>
>
>
>
>  You can reach the person managing the list at
>
>
>  cnc-list-ow...@cnc-list.com
>
>
>
>
>
>  When replying, please edit your Subject line so it is more
>  specific
>
>
>  than "Re: Contents of CnC-List digest..."
>
>
>
>
>
>
>
>
>  Today's Topics:
>
>
>
>
>
> 1. Re:  insurance (Larry)
>
>
>
>
>
>
>
>
>  --
>  -- --
>
>
>
>
>
>  Message: 1
>
>
>  Date: Sun, 4 Feb 2018 08:51:25 -0800
>
>
>  From: "Larry" 
>
>
>  To: 
>
>
>  Subject: Re: Stus-List insurance
>
>
>  Message-ID: <003a01d39dd8$65bbce60$ 31336b20$@comcast.net>
>
>
>  Content-Type: text/plain; charset="utf-8"
>
>
>
>
>
>  I am super impressed with their rates and service.
>
>
>
>
>
>  My boat was hit at the dock three days after I took
>  delivery, Thank god for surveys, the owner of the boat
>  attempted to claim they did not do the damage. The Survey
>  and witness saved the day. I paid to have the boat repaired
>  immediately (right at the water line) and American Family
>  wrote me a check and then had the other persons insurance
>  for their cost. Zero effect on my coverage or rates.
>
>
>
>
>
>  Like I said: just under 500 a year, 500 dollar deductible
>  and one million coverage in liability damages.
>
>
>
>
>
>  However they did not want to ensure my ZX14R

Re: Stus-List Boat Insurance

[Leslie Paal via CnC-List]

my first car was an MGA.  Almost the most fun car I had, despite the lack of 
power.

Leslie.


On Mon, 2/5/18, bushmark4--- via CnC-List  wrote:

 Subject: Re: Stus-List Boat Insurance
 To: cnc-list@cnc-list.com
 Cc: bushma...@aol.com
 Date: Monday, February 5, 2018, 8:35 AM
 
 
  A great car...I had a couple of
 Bug-Eye Spritesand an MGA; fun to drive but I hated
 those electric fuel pumps!
 
 
 
  
 
 
 
 
 
 Richard
 
 
 s/v/ Bushmark4: 1985 C&C 37 CB; Ohio River;
 
 
 
 
 
 
 
 Richard N. Bush 
 
 2950 Breckenridge Lane, Suite Nine
 
 Louisville, Kentucky 40220-1462 
 
 502-584-7255
 
 
  
 
 
 
  
 
 
 
 -Original
 Message-
 
 From: Randy Stafford via CnC-List
 
 
 To: cnc-list 
 
 Cc: Randy Stafford 
 
 Sent: Mon, Feb 5, 2018 11:32 am
 
 Subject: Re: Stus-List Boat Insurance
 
 
 
 
 
 
 
 A Triumph Spitfire.  My best
 buddy in high school had one of those, bright yellow.  We
 tried hard to roll it with high-speed cornering, but never
 succeeded.
 
 
 
 
 Cheers,
 
 Randy
 
 
 
 
 
 On Feb 5, 2018, at 9:22 AM, Chuck Gilchrest via
 CnC-List 
 wrote:
 
 
 
 My agent booked my policy through Hagerty as a
 “classic boat”.  I’m limited to 200 miles offshore
 and runs about $800 but it hasn’t gone up in 3 years.  By
 having both a classic boat and car policy, my Triumph
 Spitfire insures for $85 per year for full coverage.
 
 Chuck Gilchrest 
 S/V Half Magic
 
 1983 35 LF
 
 Padanaram MA
 
 
 Sent from my iPhone
 
 
 
 On Feb 5, 2018, at 11:06 AM, Jim Giffing via CnC-List 
 wrote:
 
 
 
 
 
 
 
 
 
 
 Sadly American Family does not seem to cover the
 Chesapeake. :(
 
 
 
 
 Jim
 
 
 S/V Strong Tower
 
 
 1977 C&C 29 MK 1
 
 
 North East, MD
 
 
 
 
 
 On Sun, Feb 4,
 2018 at 12:00 PM,  
 wrote:
 
 Send CnC-List mailing list
 submissions to
 
 
         cnc-list@cnc-list.com
 
 
 
 
 
 To subscribe or unsubscribe via the World Wide Web, visit
 
 
         http://cnc-list.com/mailman/
 listinfo/cnc-list_cnc-list.com
 
 
 or, via email, send a message with subject or body
 'help' to
 
 
         cnc-list-requ...@cnc-list.com
 
 
 
 
 
 You can reach the person managing the list at
 
 
         cnc-list-ow...@cnc-list.com
 
 
 
 
 
 When replying, please edit your Subject line so it is more
 specific
 
 
 than "Re: Contents of CnC-List digest..."
 
 
 
 
 
 
 
 
 Today's Topics:
 
 
 
 
 
    1. Re:  insurance (Larry)
 
 
 
 
 
 
 
 
 --
 -- --
 
 
 
 
 
 Message: 1
 
 
 Date: Sun, 4 Feb 2018 08:51:25 -0800
 
 
 From: "Larry" 
 
 
 To: 
 
 
 Subject: Re: Stus-List insurance
 
 
 Message-ID: <003a01d39dd8$65bbce60$ 31336b20$@comcast.net>
 
 
 Content-Type: text/plain; charset="utf-8"
 
 
 
 
 
 I am super impressed with their rates and service.
 
 
 
 
 
 My boat was hit at the dock three days after I took
 delivery, Thank god for surveys, the owner of the boat
 attempted to claim they did not do the damage. The Survey
 and witness saved the day. I paid to have the boat repaired
 immediately (right at the water line) and American Family
 wrote me a check and then had the other persons insurance
 for their cost. Zero effect on my coverage or rates.
 
 
 
 
 
 Like I said: just under 500 a year, 500 dollar deductible
 and one million coverage in liability damages.
 
 
 
 
 
 However they did not want to ensure my ZX14R sport bike. But
 not too many do.
 
 
 
 
 
 
 
 
 
 
 
 From: CnC-List [mailto:cnc-list-bounces@cnc-
 list.com] On Behalf Of Jim Reinardy via CnC-List
 
 
 Sent: Sunday, February 4, 2018 8:30 AM
 
 
 To: cnc-list@cnc-list.com
 
 
 Cc: Jim Reinardy
 
 
 Subject: Re: Stus-List insurance
 
 
 
 
 
 
 
 
 
 
 
 Larry,
 
 
 
 
 
 
 
 
 
 
 
 American Family is based here in Wisconsin and I can second
 your opinion.  I have had all of my insurance with them,
 including the boat for nearly 30 years.
 
 
 
 
 
 
 
 
 
 
 
 Jim Reinardy
 
 
 
 
 
 C&C 30-2 ?Firewater?
 
 
 
 
 
 Milwaukee, WI
 
 
 
 
 
 
 
 
 
 
 
 Get Outlook for iOS <https://aka.ms/o0ukef>
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 On Sun, Feb 4, 2018 at 9:55 AM -0600, "Larry via
 CnC-List" 
 wrote:
 
 
 
 
 
 When I purchased my boat I did a lot of shopping around.
 
 
 
 
 
 I went with American Family Insurance. Fantastic company. If
 I could have them for all my insurance needs, I would. But I
 have had my home and auto with Geico for over 40 years and
 my discounts cannot be beat.
 
 
 
 
 
 My boat insurance is through American and is 485 a year and
 on 80k value boat, with one million on damages. US Boat,
 Geico and the rest were half again if not double.
 
 
 
 
 
 Just my 2 cents
 
 
 
 
 
 
 
 
 
 
 
 From: CnC-List [mailto:cnc-list-bounces@cnc-
 list.com] On Behalf Of Joel Aronson via CnC-List
 
 
 Sent: Sunday, February 4, 2018 7:41 AM
 
 
 To: cnc-list@cnc-list.com
 
 
 Cc: Joel Aronson
 
 
 Subject: Re: Stus-List insurance
 
 
 

Re: Stus-List Boat Insurance

[Neil Andersen via CnC-List]

My claims experience with BoatUS was outstanding.  That was before the change 
to Geico, so I don’t know if there will be a noticeable difference.

Neil Andersen
20691 Jamieson Rd
Rock Hall, MD 21661

From: CnC-List  on behalf of Nauset Beach via 
CnC-List 
Sent: Monday, February 5, 2018 4:50:21 PM
To: cnc-list@cnc-list.com
Cc: Nauset Beach
Subject: Re: Stus-List Boat Insurance

To say this thread has been enlightening is a bit of an understatement.  I just 
renewed my ins. 3 months ago so am not in the market until later this year – 
seriously doubt would get a return of premium at this point.

When I was originally looking for boat insurance one of the prime 
considerations was how the company handled claims; the phrase “you get what you 
pay for” was mentioned more than once.  Does anyone have actual claim 
experience with any of these companies which are quoting substantially lower 
premiums than Boat US?  That would include a claim with Geico now that they 
have taken over the Boat US business?  I had a claim 6-7 years ago with the 
predecessor to Geico and the process was very smooth and fair.

Brian

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Matthew L. 
Wolford via CnC-List
Sent: Monday, February 05, 2018 3:57 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford 
Subject: Re: Stus-List Boat Insurance

Yes.  2017 BoatUS premium (now GEICO) for $1040; GEICO online quote for 
substantially the same policy $523.  I spoke with a GEICO rep about this today, 
and she is discussing the matter with her supervisor and an underwriter, and 
said she would get back to me today.  Also, my years of experience did not 
match between my online quote app (which reflected more years) and my policy, 
so I wonder if that type of information remains static in their system based on 
the original application.
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[Rick Brass via CnC-List]

Looks like we must be having a hard winter if we are already into the annual 
“Old British Sports Cars” discussion...

 

A friend and I co-owned a Triumph TR4-IRS when we were juniors in high school 
in the mid 60’s. It had webbing straps under the half shafts on the IRS half 
axles to keep you from folding them under the chassis in a hard corner. I think 
before they redesigned the car and called it a Spitfire they improved the rear 
suspension.

 

Now if they had just been able to do something about the Lucas ignition. If the 
neighbor’s dog took a leak in the front yard it was too humid for the Triumph 
to start. Every British Leyland or Triumph owner knows why the British drink 
warm beer… Lucas Refrigerators!

 

Rick Brass

Washington, NC

 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Randy 
Stafford via CnC-List
Sent: Monday, February 5, 2018 11:32 AM
To: cnc-list 
Cc: Randy Stafford 
Subject: Re: Stus-List Boat Insurance

 

A Triumph Spitfire.  My best buddy in high school had one of those, bright 
yellow.  We tried hard to roll it with high-speed cornering, but never 
succeeded.

 

Cheers,

Randy

 

 

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[jackbrennan via CnC-List]

My C&C 25 was wrecked in a hurricane on Key Biscayne. 

Progressive paid up promptly, allowed me to remove anything I wanted from the 
boat and salvaged the wreckage, which had angered federal park rangers because 
it washed up in a federally protected area for Florida crocodiles.

On the basis of performance, Progressive is great. However, its premiums have 
climbed considerably in the last few years.

Jack Brennan
Former C&C 25
Shanachie, 1974 Bristol 30
Tierra Verde, Fl.






Sent from my Samsung Galaxy Tab®|PRO

 Original message 
From: Nauset Beach via CnC-List  
Date:02/05/2018  4:50 PM  (GMT-05:00) 
To: cnc-list@cnc-list.com 
Cc: Nauset Beach  
Subject: Re: Stus-List Boat Insurance 

To say this thread has been enlightening is a bit of an understatement.  I just 
renewed my ins. 3 months ago so am not in the market until later this year – 
seriously doubt would get a return of premium at this point. 
 
When I was originally looking for boat insurance one of the prime 
considerations was how the company handled claims; the phrase “you get what you 
pay for” was mentioned more than once.  Does anyone have actual claim 
experience with any of these companies which are quoting substantially lower 
premiums than Boat US?  That would include a claim with Geico now that they 
have taken over the Boat US business?  I had a claim 6-7 years ago with the 
predecessor to Geico and the process was very smooth and fair. 
 
Brian
 
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Matthew L. 
Wolford via CnC-List
Sent: Monday, February 05, 2018 3:57 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford 
Subject: Re: Stus-List Boat Insurance
 
Yes.  2017 BoatUS premium (now GEICO) for $1040; GEICO online quote for 
substantially the same policy $523.  I spoke with a GEICO rep about this today, 
and she is discussing the matter with her supervisor and an underwriter, and 
said she would get back to me today.  Also, my years of experience did not 
match between my online quote app (which reflected more years) and my policy, 
so I wonder if that type of information remains static in their system based on 
the original application.___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[Nauset Beach via CnC-List]

To say this thread has been enlightening is a bit of an understatement.  I just 
renewed my ins. 3 months ago so am not in the market until later this year – 
seriously doubt would get a return of premium at this point.  

 

When I was originally looking for boat insurance one of the prime 
considerations was how the company handled claims; the phrase “you get what you 
pay for” was mentioned more than once.  Does anyone have actual claim 
experience with any of these companies which are quoting substantially lower 
premiums than Boat US?  That would include a claim with Geico now that they 
have taken over the Boat US business?  I had a claim 6-7 years ago with the 
predecessor to Geico and the process was very smooth and fair.  

 

Brian

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Matthew L. 
Wolford via CnC-List
Sent: Monday, February 05, 2018 3:57 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford 
Subject: Re: Stus-List Boat Insurance

 

Yes.  2017 BoatUS premium (now GEICO) for $1040; GEICO online quote for 
substantially the same policy $523.  I spoke with a GEICO rep about this today, 
and she is discussing the matter with her supervisor and an underwriter, and 
said she would get back to me today.  Also, my years of experience did not 
match between my online quote app (which reflected more years) and my policy, 
so I wonder if that type of information remains static in their system based on 
the original application.

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Re: Stus-List Boat Insurance

[Matthew L. Wolford via CnC-List]

Yes.  2017 BoatUS premium (now GEICO) for $1040; GEICO online quote for 
substantially the same policy $523.  I spoke with a GEICO rep about this today, 
and she is discussing the matter with her supervisor and an underwriter, and 
said she would get back to me today.  Also, my years of experience did not 
match between my online quote app (which reflected more years) and my policy, 
so I wonder if that type of information remains static in their system based on 
the original application.

From: Gary Russell via CnC-List 
Sent: Monday, February 05, 2018 3:29 PM
To: C&C List 
Cc: Gary Russell 
Subject: Re: Stus-List Boat Insurance

Whatever the traffic will bear, I guess! 
Gary
S/V Kaylarah
'90 C&C 37+
East Greenwich, RI, USA

~~~_/)~~



On Mon, Feb 5, 2018 at 3:18 PM, David via CnC-List  
wrote:

  So let me understand this...Geico current premium is $1040 vs. an online 
quote from Geico of $523...???




  David F. Risch


  (401) 419-4650 (cell)






--

  From: CnC-List  on behalf of Matthew L. 
Wolford via CnC-List 
  Sent: Monday, February 5, 2018 1:44 PM
  To: cnc-list@cnc-list.com
  Cc: Matthew L. Wolford 

  Subject: Re: Stus-List Boat Insurance

  I assume you saw my e-mail note over the weekend where I went through GEICO’s 
on-line quote process.  In my case, in 2017 I paid a $1040 annual premium 
versus a $523 on-line quote for the same or better coverage (and slightly 
higher hull value).  All you did was remind me about the call I planned to make.

  Besides, I’m not going to rat you out.

  From: Frederick G Street via CnC-List 
  Sent: Monday, February 05, 2018 1:26 PM
  To: cnc-list@cnc-list.com 
  Cc: Frederick G Street 
  Subject: Re: Stus-List Boat Insurance

  Once Geico finds out I started an avalanche, they’re going to raise my rates 
again… 

  — Fred


  Fred Street -- Minneapolis
  S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(


On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List 
 wrote:

Well done, Fred.  On the phone now.

From: Frederick G Street via CnC-List
Sent: Monday, February 05, 2018 11:51 AM
To: cnc-list@cnc-list.com
Cc: Frederick G Street
Subject: Re: Stus-List Boat Insurance

I’ve been on the phone with Geico Marine this morning, trying to get a 
straight answer as to why the premium for my current policy (rolled over from 
BoatUS) is nearly 50% higher than a quote I got online over the weekend with 
the same deductibles and coverage.  

This is on an agreed hull value of $50,000 (yes, I know that’s really high 
for my boat, but I haven’t seen any reason to change it…), with 1% deductible 
and $500,000 of liability; and covers sailing on the Great Lakes and 
tributaries.  My BoatUS premium was a little under $700.00; when it moved to 
Geico it went up to $852.00.  The quote I got online was for $571.00.


In my initial conversation this morning, the agent on the phone said that 
my renewal coming in March was going to be less than last year; somewhere in 
the $750.00 range.  She said that I could go ahead and get insurance at the 
online quoted rate, but I would need to get a survey done before they’d cover 
me on a new policy.

After talking at length with an underwriter and reviewing my policy, the 
agent just called back: my renewal in March will cost $494.00.

I guess it pays to be the squeaky wheel sometimes…

— Fred



Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(


--
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  ___

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___

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Re: Stus-List Boat Insurance

[ahycrace ahycrace via CnC-List]

I called back again and they went from 1125$ to 1092$ for 40k still way to 
much. I talked to an agent at the providence boat show (maritime insurance 
int.) and he agreed that boat US was unusually high. I will talk to him next 
week and he will have quotes for me maybe an agent is the way to go. Thanks for 
all the responses this is a very good discussion. I'll report as soon as i have 
more info to share.

Gary K "Liberty" 1976 38' MKII


> On February 5, 2018 at 3:29 PM Gary Russell via CnC-List 
>  wrote:
> 
> Whatever the traffic will bear, I guess!
> Gary
> S/V Kaylarah
> '90 C&C 37+
> East Greenwich, RI, USA
> 
> ~~~ _/ )~~
> 
> 
> On Mon, Feb 5, 2018 at 3:18 PM, David via CnC-List  mailto:cnc-list@cnc-list.com > wrote:
> 
> > > So let me understand this...Geico current premium is 
> $1040 vs. an online quote from Geico of $523...???
> > 
> > 
> > David F. Risch
> > 
> > (401) 419-4650 (cell)
> > 
> > 
> > 
> > 
> > -
> > From: CnC-List  > mailto:cnc-list-boun...@cnc-list.com > on behalf of Matthew L. Wolford via 
> > CnC-List mailto:cnc-list@cnc-list.com >
> >         Sent: Monday, February 5, 2018 1:44 PM
> > To: cnc-list@cnc-list.com mailto:cnc-list@cnc-list.com
> > Cc: Matthew L. Wolford
> > 
> > Subject: Re: Stus-List Boat Insurance
> >  
> > I assume you saw my e-mail note over the weekend where I went 
> > through GEICO’s on-line quote process.  In my case, in 2017 I paid a $1040 
> > annual premium versus a $523 on-line quote for the same or better coverage 
> > (and slightly higher hull value).  All you did was remind me about the call 
> > I planned to make.
> >  
> > Besides, I’m not going to rat you out.
> >  
> > From: Frederick G Street via CnC-List mailto:cnc-list@cnc-list.com
> > Sent: Monday, February 05, 2018 1:26 PM
> > To: cnc-list@cnc-list.com mailto:cnc-list@cnc-list.com
> > Cc: Frederick G Street mailto:f...@postaudio.net
> > Subject: Re: Stus-List Boat Insurance
> >  
> > Once Geico finds out I started an avalanche, they’re going to raise 
> > my rates again…
> >  
> > — Fred
> > 
> > Fred Street -- Minneapolis
> > S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   
> > :^(
> > 
> > 
> > > > > On Feb 5, 2018, at 12:16 PM, Matthew L. 
> > Wolford via CnC-List < cnc-list@cnc-list.com mailto:cnc-list@cnc-list.com > 
> > wrote:
> > >  
> > >     Well done, Fred.  On the phone now.
> > >  
> > > From:   Frederick G Street via CnC-List 
> > > mailto:cnc-list@cnc-list.com
> > > Sent:  Monday, February 05, 2018 11:51 AM
> > > To:   cnc-list@cnc-list.com mailto:cnc-list@cnc-list.com
> > > Cc:   Frederick G Street mailto:f...@postaudio.net
> > > Subject:  Re: Stus-List Boat Insurance
> > >  
> > > I’ve been on the phone with Geico Marine this morning, trying 
> > > to get a straight answer as to why the premium for my current policy 
> > > (rolled over from BoatUS) is nearly 50% higher than a quote I got online 
> > > over the weekend with the same deductibles and coverage.  
> > >  
> > > This is on an agreed hull value of $50,000 (yes, I know 
> > > that’s really high for my boat, but I haven’t seen any reason to change 
> > > it…), with 1% deductible and $500,000 of liability; and covers sailing on 
> > > the Great Lakes and tributaries.  My BoatUS premium was a little under 
> > > $700.00; when it moved to Geico it went up to $852.00.  The quote I got 
> > > online was for $571.00.
> > >  
> > > In my initial conversation this morning, the agent on the 
> > > phone said that my renewal coming in March was going to be less than last 
> > > year; somewhere in the $750.00 range.  She said that I could go ahead and 
> > > get insurance at the online quoted rate, but I would need to get a survey 
> > > done before they’d cover me on a new policy.
> > >  
> > > After talking at length with an underwriter and reviewing my 
> > > policy

Re: Stus-List Boat Insurance

[Gary Russell via CnC-List]

Whatever the traffic will bear, I guess!
Gary
S/V Kaylarah
'90 C&C 37+
East Greenwich, RI, USA

~~~_/)~~


On Mon, Feb 5, 2018 at 3:18 PM, David via CnC-List 
wrote:

> So let me understand this...Geico current premium is $1040 vs. an online
> quote from Geico of $523...???
>
>
> David F. Risch
>
> (401) 419-4650 (cell)
>
>
> --
> *From:* CnC-List  on behalf of Matthew L.
> Wolford via CnC-List 
> *Sent:* Monday, February 5, 2018 1:44 PM
> *To:* cnc-list@cnc-list.com
> *Cc:* Matthew L. Wolford
>
> *Subject:* Re: Stus-List Boat Insurance
>
> I assume you saw my e-mail note over the weekend where I went through
> GEICO’s on-line quote process.  In my case, in 2017 I paid a $1040 annual
> premium versus a $523 on-line quote for the same or better coverage (and
> slightly higher hull value).  All you did was remind me about the call I
> planned to make.
>
> Besides, I’m not going to rat you out.
>
> *From:* Frederick G Street via CnC-List 
> *Sent:* Monday, February 05, 2018 1:26 PM
> *To:* cnc-list@cnc-list.com
> *Cc:* Frederick G Street 
> *Subject:* Re: Stus-List Boat Insurance
>
> Once Geico finds out I started an avalanche, they’re going to raise my
> rates again…
>
> — Fred
>
> Fred Street -- Minneapolis
> S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(
>
> On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> Well done, Fred.  On the phone now.
>
> *From:* Frederick G Street via CnC-List 
> *Sent:* Monday, February 05, 2018 11:51 AM
> *To:* cnc-list@cnc-list.com
> *Cc:* Frederick G Street 
> *Subject:* Re: Stus-List Boat Insurance
>
> I’ve been on the phone with Geico Marine this morning, trying to get a
> straight answer as to why the premium for my current policy (rolled over
> from BoatUS) is nearly 50% higher than a quote I got online over the
> weekend with the same deductibles and coverage.
>
> This is on an agreed hull value of $50,000 (yes, I know that’s really high
> for my boat, but I haven’t seen any reason to change it…), with 1%
> deductible and $500,000 of liability; and covers sailing on the Great Lakes
> and tributaries.  My BoatUS premium was a little under $700.00; when it
> moved to Geico it went up to $852.00.  The quote I got online was for
> $571.00.
>
> In my initial conversation this morning, the agent on the phone said that
> my renewal coming in March was going to be less than last year; somewhere
> in the $750.00 range.  She said that I could go ahead and get insurance at
> the online quoted rate, but I would need to get a survey done before they’d
> cover me on a new policy.
>
> After talking at length with an underwriter and reviewing my policy, the
> agent just called back: my renewal in March will cost $494.00.
>
> I guess it pays to be the squeaky wheel sometimes…
>
> — Fred
>
>
> Fred Street -- Minneapolis
> S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(
>
>
>
> --
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
>
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Boat Insurance

[David via CnC-List]

So let me understand this...Geico current premium is $1040 vs. an online quote 
from Geico of $523...???


David F. Risch

(401) 419-4650 (cell)



From: CnC-List  on behalf of Matthew L. Wolford 
via CnC-List 
Sent: Monday, February 5, 2018 1:44 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford
Subject: Re: Stus-List Boat Insurance

I assume you saw my e-mail note over the weekend where I went through GEICO’s 
on-line quote process.  In my case, in 2017 I paid a $1040 annual premium 
versus a $523 on-line quote for the same or better coverage (and slightly 
higher hull value).  All you did was remind me about the call I planned to make.

Besides, I’m not going to rat you out.

From: Frederick G Street via CnC-List<mailto:cnc-list@cnc-list.com>
Sent: Monday, February 05, 2018 1:26 PM
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Cc: Frederick G Street<mailto:f...@postaudio.net>
Subject: Re: Stus-List Boat Insurance

Once Geico finds out I started an avalanche, they’re going to raise my rates 
again…

— Fred

Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:

Well done, Fred.  On the phone now.

From: Frederick G Street via CnC-List<mailto:cnc-list@cnc-list.com>
Sent: Monday, February 05, 2018 11:51 AM
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Cc: Frederick G Street<mailto:f...@postaudio.net>
Subject: Re: Stus-List Boat Insurance

I’ve been on the phone with Geico Marine this morning, trying to get a straight 
answer as to why the premium for my current policy (rolled over from BoatUS) is 
nearly 50% higher than a quote I got online over the weekend with the same 
deductibles and coverage.

This is on an agreed hull value of $50,000 (yes, I know that’s really high for 
my boat, but I haven’t seen any reason to change it…), with 1% deductible and 
$500,000 of liability; and covers sailing on the Great Lakes and tributaries.  
My BoatUS premium was a little under $700.00; when it moved to Geico it went up 
to $852.00.  The quote I got online was for $571.00.

In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.

After talking at length with an underwriter and reviewing my policy, the agent 
just called back: my renewal in March will cost $494.00.

I guess it pays to be the squeaky wheel sometimes…

— Fred


Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(



___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[Matthew L. Wolford via CnC-List]

I assume you saw my e-mail note over the weekend where I went through GEICO’s 
on-line quote process.  In my case, in 2017 I paid a $1040 annual premium 
versus a $523 on-line quote for the same or better coverage (and slightly 
higher hull value).  All you did was remind me about the call I planned to make.

Besides, I’m not going to rat you out.

From: Frederick G Street via CnC-List 
Sent: Monday, February 05, 2018 1:26 PM
To: cnc-list@cnc-list.com 
Cc: Frederick G Street 
Subject: Re: Stus-List Boat Insurance

Once Geico finds out I started an avalanche, they’re going to raise my rates 
again… 

— Fred


Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(


  On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List 
 wrote:

  Well done, Fred.  On the phone now.

  From: Frederick G Street via CnC-List
  Sent: Monday, February 05, 2018 11:51 AM
  To: cnc-list@cnc-list.com
  Cc: Frederick G Street
  Subject: Re: Stus-List Boat Insurance

  I’ve been on the phone with Geico Marine this morning, trying to get a 
straight answer as to why the premium for my current policy (rolled over from 
BoatUS) is nearly 50% higher than a quote I got online over the weekend with 
the same deductibles and coverage.  

  This is on an agreed hull value of $50,000 (yes, I know that’s really high 
for my boat, but I haven’t seen any reason to change it…), with 1% deductible 
and $500,000 of liability; and covers sailing on the Great Lakes and 
tributaries.  My BoatUS premium was a little under $700.00; when it moved to 
Geico it went up to $852.00.  The quote I got online was for $571.00.


  In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.

  After talking at length with an underwriter and reviewing my policy, the 
agent just called back: my renewal in March will cost $494.00.

  I guess it pays to be the squeaky wheel sometimes…

  — Fred



  Fred Street -- Minneapolis
  S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(




___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Boat Insurance

[bushmark4--- via CnC-List]

We'll just call and tell them "we want "Fred's deal"...!

 

 


Richard

Richard N. Bush
2950 Breckenridge Lane, Suite Nine
Louisville, Kentucky 40220-1462 
502-584-7255

 

 

-Original Message-
From: Frederick G Street via CnC-List 
To: cnc-list 
Cc: Frederick G Street 
Sent: Mon, Feb 5, 2018 1:26 pm
Subject: Re: Stus-List Boat Insurance


Once Geico finds out I started an avalanche, they’re going to raise my rates 
again…


— Fred


Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(



On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List 
 wrote:


Well done, Fred.  On the phone now.

 

From: Frederick G Street via CnC-List
Sent: Monday, February 05, 2018 11:51 AM
To: cnc-list@cnc-list.com
Cc: Frederick G Street
Subject: Re: Stus-List Boat Insurance

 
I’ve been on the phone with Geico Marine this morning, trying to get a straight 
answer as to why the premium for my current policy (rolled over from BoatUS) is 
nearly 50% higher than a quote I got online over the weekend with the same 
deductibles and coverage. 
 
This is on an agreed hull value of $50,000 (yes, I know that’s really high for 
my boat, but I haven’t seen any reason to change it…), with 1% deductible and 
$500,000 of liability; and covers sailing on the Great Lakes and tributaries.  
My BoatUS premium was a little under $700.00; when it moved to Geico it went up 
to $852.00.  The quote I got online was for $571.00.

 
In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.
 
After talking at length with an underwriter and reviewing my policy, the agent 
just called back: my renewal in March will cost $494.00.
 
I guess it pays to be the squeaky wheel sometimes…
 
— Fred

 


Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(






___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[Frederick G Street via CnC-List]

Once Geico finds out I started an avalanche, they’re going to raise my rates 
again…

— Fred

Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

> On Feb 5, 2018, at 12:16 PM, Matthew L. Wolford via CnC-List 
>  wrote:
> 
> Well done, Fred.  On the phone now.
>  
> From: Frederick G Street via CnC-List <mailto:cnc-list@cnc-list.com>
> Sent: Monday, February 05, 2018 11:51 AM
> To: cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com>
> Cc: Frederick G Street <mailto:f...@postaudio.net>
> Subject: Re: Stus-List Boat Insurance
>  
> I’ve been on the phone with Geico Marine this morning, trying to get a 
> straight answer as to why the premium for my current policy (rolled over from 
> BoatUS) is nearly 50% higher than a quote I got online over the weekend with 
> the same deductibles and coverage. 
>  
> This is on an agreed hull value of $50,000 (yes, I know that’s really high 
> for my boat, but I haven’t seen any reason to change it…), with 1% deductible 
> and $500,000 of liability; and covers sailing on the Great Lakes and 
> tributaries.  My BoatUS premium was a little under $700.00; when it moved to 
> Geico it went up to $852.00.  The quote I got online was for $571.00.
>  
> In my initial conversation this morning, the agent on the phone said that my 
> renewal coming in March was going to be less than last year; somewhere in the 
> $750.00 range.  She said that I could go ahead and get insurance at the 
> online quoted rate, but I would need to get a survey done before they’d cover 
> me on a new policy.
>  
> After talking at length with an underwriter and reviewing my policy, the 
> agent just called back: my renewal in March will cost $494.00.
>  
> I guess it pays to be the squeaky wheel sometimes…
>  
> — Fred
>  
> 
> Fred Street -- Minneapolis
> S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[Matthew L. Wolford via CnC-List]

Well done, Fred.  On the phone now.

From: Frederick G Street via CnC-List 
Sent: Monday, February 05, 2018 11:51 AM
To: cnc-list@cnc-list.com 
Cc: Frederick G Street 
Subject: Re: Stus-List Boat Insurance

I’ve been on the phone with Geico Marine this morning, trying to get a straight 
answer as to why the premium for my current policy (rolled over from BoatUS) is 
nearly 50% higher than a quote I got online over the weekend with the same 
deductibles and coverage. 

This is on an agreed hull value of $50,000 (yes, I know that’s really high for 
my boat, but I haven’t seen any reason to change it…), with 1% deductible and 
$500,000 of liability; and covers sailing on the Great Lakes and tributaries.  
My BoatUS premium was a little under $700.00; when it moved to Geico it went up 
to $852.00.  The quote I got online was for $571.00.


In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.

After talking at length with an underwriter and reviewing my policy, the agent 
just called back: my renewal in March will cost $494.00.

I guess it pays to be the squeaky wheel sometimes…

— Fred



Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(


  On Feb 5, 2018, at 10:22 AM, Chuck Gilchrest via CnC-List 
 wrote:

  My agent booked my policy through Hagerty as a “classic boat”.  I’m limited 
to 200 miles offshore and runs about $800 but it hasn’t gone up in 3 years.  By 
having both a classic boat and car policy, my Triumph Spitfire insures for $85 
per year for full coverage.
  Chuck Gilchrest 
  S/V Half Magic
  1983 35 LF
  Padanaram MA

  Sent from my iPhone




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Re: Stus-List Boat Insurance

[Della Barba, Joe via CnC-List]

I know of people that have got their boats added on to their homeowner’s for 
cheap. This can backfire when the insurance company has absolutely no clue what 
salvage or oil spill means.

Joe
Coquina


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Re: Stus-List Boat Insurance

[bushmark4--- via CnC-List]

 Good for you Fred!  I am going to do likewise!

 


Richard
s/v Bushmark: 1985 C&C 37 CB; Ohio River:


Richard N. Bush 
2950 Breckenridge Lane, Suite Nine
Louisville, Kentucky 40220-1462 
502-584-7255

 

 

-Original Message-
From: Frederick G Street via CnC-List 
To: cnc-list 
Cc: Frederick G Street 
Sent: Mon, Feb 5, 2018 11:52 am
Subject: Re: Stus-List Boat Insurance


I’ve been on the phone with Geico Marine this morning, trying to get a straight 
answer as to why the premium for my current policy (rolled over from BoatUS) is 
nearly 50% higher than a quote I got online over the weekend with the same 
deductibles and coverage.


This is on an agreed hull value of $50,000 (yes, I know that’s really high for 
my boat, but I haven’t seen any reason to change it…), with 1% deductible and 
$500,000 of liability; and covers sailing on the Great Lakes and tributaries.  
My BoatUS premium was a little under $700.00; when it moved to Geico it went up 
to $852.00.  The quote I got online was for $571.00.



In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.


After talking at length with an underwriter and reviewing my policy, the agent 
just called back: my renewal in March will cost $494.00.


I guess it pays to be the squeaky wheel sometimes…


— Fred




Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(



On Feb 5, 2018, at 10:22 AM, Chuck Gilchrest via CnC-List 
 wrote:


My agent booked my policy through Hagerty as a “classic boat”.  I’m limited to 
200 miles offshore and runs about $800 but it hasn’t gone up in 3 years.  By 
having both a classic boat and car policy, my Triumph Spitfire insures for $85 
per year for full coverage.
Chuck Gilchrest 
S/V Half Magic
1983 35 LF
Padanaram MA

Sent from my iPhone






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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray


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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[Frederick G Street via CnC-List]

I’ve been on the phone with Geico Marine this morning, trying to get a straight 
answer as to why the premium for my current policy (rolled over from BoatUS) is 
nearly 50% higher than a quote I got online over the weekend with the same 
deductibles and coverage.

This is on an agreed hull value of $50,000 (yes, I know that’s really high for 
my boat, but I haven’t seen any reason to change it…), with 1% deductible and 
$500,000 of liability; and covers sailing on the Great Lakes and tributaries.  
My BoatUS premium was a little under $700.00; when it moved to Geico it went up 
to $852.00.  The quote I got online was for $571.00.

In my initial conversation this morning, the agent on the phone said that my 
renewal coming in March was going to be less than last year; somewhere in the 
$750.00 range.  She said that I could go ahead and get insurance at the online 
quoted rate, but I would need to get a survey done before they’d cover me on a 
new policy.

After talking at length with an underwriter and reviewing my policy, the agent 
just called back: my renewal in March will cost $494.00.

I guess it pays to be the squeaky wheel sometimes…

— Fred


Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

> On Feb 5, 2018, at 10:22 AM, Chuck Gilchrest via CnC-List 
>  wrote:
> 
> My agent booked my policy through Hagerty as a “classic boat”.  I’m limited 
> to 200 miles offshore and runs about $800 but it hasn’t gone up in 3 years.  
> By having both a classic boat and car policy, my Triumph Spitfire insures for 
> $85 per year for full coverage.
> Chuck Gilchrest 
> S/V Half Magic
> 1983 35 LF
> Padanaram MA
> Sent from my iPhone

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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Boat Insurance

[bushmark4--- via CnC-List]

 A great car...I had a couple of Bug-Eye Spritesand an MGA; fun to drive 
but I hated those electric fuel pumps!

 


Richard
s/v/ Bushmark4: 1985 C&C 37 CB; Ohio River;



Richard N. Bush 
2950 Breckenridge Lane, Suite Nine
Louisville, Kentucky 40220-1462 
502-584-7255

 

 

-Original Message-
From: Randy Stafford via CnC-List 
To: cnc-list 
Cc: Randy Stafford 
Sent: Mon, Feb 5, 2018 11:32 am
Subject: Re: Stus-List Boat Insurance


A Triumph Spitfire.  My best buddy in high school had one of those, bright 
yellow.  We tried hard to roll it with high-speed cornering, but never 
succeeded.


Cheers,
Randy



On Feb 5, 2018, at 9:22 AM, Chuck Gilchrest via CnC-List 
 wrote:


My agent booked my policy through Hagerty as a “classic boat”.  I’m limited to 
200 miles offshore and runs about $800 but it hasn’t gone up in 3 years.  By 
having both a classic boat and car policy, my Triumph Spitfire insures for $85 
per year for full coverage.
Chuck Gilchrest 
S/V Half Magic
1983 35 LF
Padanaram MA

Sent from my iPhone

On Feb 5, 2018, at 11:06 AM, Jim Giffing via CnC-List  
wrote:





Sadly American Family does not seem to cover the Chesapeake. :(


Jim

S/V Strong Tower

1977 C&C 29 MK 1

North East, MD



On Sun, Feb 4, 2018 at 12:00 PM,   wrote:

Send CnC-List mailing list submissions to
cnc-list@cnc-list.com

To subscribe or unsubscribe via the World Wide Web, visit
http://cnc-list.com/mailman/listinfo/cnc-list_cnc-list.com
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When replying, please edit your Subject line so it is more specific
than "Re: Contents of CnC-List digest..."


Today's Topics:

   1. Re:  insurance (Larry)


--

Message: 1
Date: Sun, 4 Feb 2018 08:51:25 -0800
From: "Larry" 
To: 
Subject: Re: Stus-List insurance
Message-ID: <003a01d39dd8$65bbce60$31336b20$@comcast.net>
Content-Type: text/plain; charset="utf-8"

I am super impressed with their rates and service.

My boat was hit at the dock three days after I took delivery, Thank god for 
surveys, the owner of the boat attempted to claim they did not do the damage. 
The Survey and witness saved the day. I paid to have the boat repaired 
immediately (right at the water line) and American Family wrote me a check and 
then had the other persons insurance for their cost. Zero effect on my coverage 
or rates.

Like I said: just under 500 a year, 500 dollar deductible and one million 
coverage in liability damages.

However they did not want to ensure my ZX14R sport bike. But not too many do.



From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Jim Reinardy 
via CnC-List
Sent: Sunday, February 4, 2018 8:30 AM
To: cnc-list@cnc-list.com
Cc: Jim Reinardy
Subject: Re: Stus-List insurance



Larry,



American Family is based here in Wisconsin and I can second your opinion.  I 
have had all of my insurance with them, including the boat for nearly 30 years.



Jim Reinardy

C&C 30-2 ?Firewater?

Milwaukee, WI



Get Outlook for iOS <https://aka.ms/o0ukef>





On Sun, Feb 4, 2018 at 9:55 AM -0600, "Larry via CnC-List" 
 wrote:

When I purchased my boat I did a lot of shopping around.

I went with American Family Insurance. Fantastic company. If I could have them 
for all my insurance needs, I would. But I have had my home and auto with Geico 
for over 40 years and my discounts cannot be beat.

My boat insurance is through American and is 485 a year and on 80k value boat, 
with one million on damages. US Boat, Geico and the rest were half again if not 
double.

Just my 2 cents



From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel Aronson 
via CnC-List
Sent: Sunday, February 4, 2018 7:41 AM
To: cnc-list@cnc-list.com
Cc: Joel Aronson
Subject: Re: Stus-List insurance



Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had a 
similar experience.



On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
 wrote:

When I was shopping for insurance for our current boat, $85k value, boat us was 
the highest.  I went with a company called seaworthy (just a coincidence).  
They were 1/2 what boat us wanted.  They have since been bought by gieco which 
now owns boat us I'm told.   Strange...







Sent from my T-Mobile 4G LTE Device



 Original message 

From: svrebeccaleah via CnC-List 

Date: 2/3/18 9:39 PM (GMT-05:00)

To: cnc-list@cnc-list.com

Cc: svrebeccaleah 

Subject: Re: Stus-List insurance



I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000.



Doug Mountjoy

Rebecca Leah

LF39

POYC, WA









Sent from my T-Mobile 4G LTE Device



 Original message 

From: ahycrace ahycrace via CnC-List 

Date: 2/3/18

Re: Stus-List Boat Insurance

[Randy Stafford via CnC-List]

A Triumph Spitfire.  My best buddy in high school had one of those, bright 
yellow.  We tried hard to roll it with high-speed cornering, but never 
succeeded.

Cheers,
Randy

> On Feb 5, 2018, at 9:22 AM, Chuck Gilchrest via CnC-List 
>  wrote:
> 
> My agent booked my policy through Hagerty as a “classic boat”.  I’m limited 
> to 200 miles offshore and runs about $800 but it hasn’t gone up in 3 years.  
> By having both a classic boat and car policy, my Triumph Spitfire insures for 
> $85 per year for full coverage.
> Chuck Gilchrest 
> S/V Half Magic
> 1983 35 LF
> Padanaram MA
> Sent from my iPhone
> 
> On Feb 5, 2018, at 11:06 AM, Jim Giffing via CnC-List  > wrote:
> 
>> Sadly American Family does not seem to cover the Chesapeake. :(
>> 
>> Jim
>> S/V Strong Tower
>> 1977 C&C 29 MK 1
>> North East, MD
>> 
>> On Sun, Feb 4, 2018 at 12:00 PM, > > wrote:
>> Send CnC-List mailing list submissions to
>> cnc-list@cnc-list.com 
>> 
>> To subscribe or unsubscribe via the World Wide Web, visit
>> http://cnc-list.com/mailman/listinfo/cnc-list_cnc-list.com 
>> 
>> or, via email, send a message with subject or body 'help' to
>> cnc-list-requ...@cnc-list.com 
>> 
>> You can reach the person managing the list at
>> cnc-list-ow...@cnc-list.com 
>> 
>> When replying, please edit your Subject line so it is more specific
>> than "Re: Contents of CnC-List digest..."
>> 
>> 
>> Today's Topics:
>> 
>>1. Re:  insurance (Larry)
>> 
>> 
>> --
>> 
>> Message: 1
>> Date: Sun, 4 Feb 2018 08:51:25 -0800
>> From: "Larry" mailto:ladoug...@comcast.net>>
>> To: mailto:cnc-list@cnc-list.com>>
>> Subject: Re: Stus-List insurance
>> Message-ID: <003a01d39dd8$65bbce60$31336b20$@comcast.net 
>> >
>> Content-Type: text/plain; charset="utf-8"
>> 
>> I am super impressed with their rates and service.
>> 
>> My boat was hit at the dock three days after I took delivery, Thank god for 
>> surveys, the owner of the boat attempted to claim they did not do the 
>> damage. The Survey and witness saved the day. I paid to have the boat 
>> repaired immediately (right at the water line) and American Family wrote me 
>> a check and then had the other persons insurance for their cost. Zero effect 
>> on my coverage or rates.
>> 
>> Like I said: just under 500 a year, 500 dollar deductible and one million 
>> coverage in liability damages.
>> 
>> However they did not want to ensure my ZX14R sport bike. But not too many do.
>> 
>> 
>> 
>> From: CnC-List [mailto:cnc-list-boun...@cnc-list.com 
>> ] On Behalf Of Jim Reinardy via 
>> CnC-List
>> Sent: Sunday, February 4, 2018 8:30 AM
>> To: cnc-list@cnc-list.com 
>> Cc: Jim Reinardy
>> Subject: Re: Stus-List insurance
>> 
>> 
>> 
>> Larry,
>> 
>> 
>> 
>> American Family is based here in Wisconsin and I can second your opinion.  I 
>> have had all of my insurance with them, including the boat for nearly 30 
>> years.
>> 
>> 
>> 
>> Jim Reinardy
>> 
>> C&C 30-2 ?Firewater?
>> 
>> Milwaukee, WI
>> 
>> 
>> 
>> Get Outlook for iOS >
>> 
>> 
>> 
>> 
>> 
>> On Sun, Feb 4, 2018 at 9:55 AM -0600, "Larry via CnC-List" 
>> mailto:cnc-list@cnc-list.com>> wrote:
>> 
>> When I purchased my boat I did a lot of shopping around.
>> 
>> I went with American Family Insurance. Fantastic company. If I could have 
>> them for all my insurance needs, I would. But I have had my home and auto 
>> with Geico for over 40 years and my discounts cannot be beat.
>> 
>> My boat insurance is through American and is 485 a year and on 80k value 
>> boat, with one million on damages. US Boat, Geico and the rest were half 
>> again if not double.
>> 
>> Just my 2 cents
>> 
>> 
>> 
>> From: CnC-List [mailto:cnc-list-boun...@cnc-list.com 
>> ] On Behalf Of Joel Aronson via 
>> CnC-List
>> Sent: Sunday, February 4, 2018 7:41 AM
>> To: cnc-list@cnc-list.com 
>> Cc: Joel Aronson
>> Subject: Re: Stus-List insurance
>> 
>> 
>> 
>> Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had 
>> a similar experience.
>> 
>> 
>> 
>> On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
>> mailto:cnc-list@cnc-list.com>> wrote:
>> 
>> When I was shopping for insurance for our current boat, $85k value, boat us 
>> was the highest.  I went with a company called seaworthy (just a 
>> coincidence).  They were 1/2 what boat us wanted.  They have since been 
>> bought by gieco which now owns boat us I'm told.   Strange...
>> 
>> 
>> 
>> 
>> 
>> 
>> 
>> Sent from my T-Mobile 4G LTE Device
>> 
>> 
>> 
>>  Or

Re: Stus-List Boat Insurance

[Chuck Gilchrest via CnC-List]

My agent booked my policy through Hagerty as a “classic boat”.  I’m limited to 
200 miles offshore and runs about $800 but it hasn’t gone up in 3 years.  By 
having both a classic boat and car policy, my Triumph Spitfire insures for $85 
per year for full coverage.
Chuck Gilchrest 
S/V Half Magic
1983 35 LF
Padanaram MA
Sent from my iPhone

> On Feb 5, 2018, at 11:06 AM, Jim Giffing via CnC-List  
> wrote:
> 
> Sadly American Family does not seem to cover the Chesapeake. :(
> 
> Jim
> S/V Strong Tower
> 1977 C&C 29 MK 1
> North East, MD
> 
>> On Sun, Feb 4, 2018 at 12:00 PM,  wrote:
>> Send CnC-List mailing list submissions to
>> cnc-list@cnc-list.com
>> 
>> To subscribe or unsubscribe via the World Wide Web, visit
>> http://cnc-list.com/mailman/listinfo/cnc-list_cnc-list.com
>> or, via email, send a message with subject or body 'help' to
>> cnc-list-requ...@cnc-list.com
>> 
>> You can reach the person managing the list at
>> cnc-list-ow...@cnc-list.com
>> 
>> When replying, please edit your Subject line so it is more specific
>> than "Re: Contents of CnC-List digest..."
>> 
>> 
>> Today's Topics:
>> 
>>1. Re:  insurance (Larry)
>> 
>> 
>> --
>> 
>> Message: 1
>> Date: Sun, 4 Feb 2018 08:51:25 -0800
>> From: "Larry" 
>> To: 
>> Subject: Re: Stus-List insurance
>> Message-ID: <003a01d39dd8$65bbce60$31336b20$@comcast.net>
>> Content-Type: text/plain; charset="utf-8"
>> 
>> I am super impressed with their rates and service.
>> 
>> My boat was hit at the dock three days after I took delivery, Thank god for 
>> surveys, the owner of the boat attempted to claim they did not do the 
>> damage. The Survey and witness saved the day. I paid to have the boat 
>> repaired immediately (right at the water line) and American Family wrote me 
>> a check and then had the other persons insurance for their cost. Zero effect 
>> on my coverage or rates.
>> 
>> Like I said: just under 500 a year, 500 dollar deductible and one million 
>> coverage in liability damages.
>> 
>> However they did not want to ensure my ZX14R sport bike. But not too many do.
>> 
>> 
>> 
>> From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Jim 
>> Reinardy via CnC-List
>> Sent: Sunday, February 4, 2018 8:30 AM
>> To: cnc-list@cnc-list.com
>> Cc: Jim Reinardy
>> Subject: Re: Stus-List insurance
>> 
>> 
>> 
>> Larry,
>> 
>> 
>> 
>> American Family is based here in Wisconsin and I can second your opinion.  I 
>> have had all of my insurance with them, including the boat for nearly 30 
>> years.
>> 
>> 
>> 
>> Jim Reinardy
>> 
>> C&C 30-2 ?Firewater?
>> 
>> Milwaukee, WI
>> 
>> 
>> 
>> Get Outlook for iOS 
>> 
>> 
>> 
>> 
>> 
>> On Sun, Feb 4, 2018 at 9:55 AM -0600, "Larry via CnC-List" 
>>  wrote:
>> 
>> When I purchased my boat I did a lot of shopping around.
>> 
>> I went with American Family Insurance. Fantastic company. If I could have 
>> them for all my insurance needs, I would. But I have had my home and auto 
>> with Geico for over 40 years and my discounts cannot be beat.
>> 
>> My boat insurance is through American and is 485 a year and on 80k value 
>> boat, with one million on damages. US Boat, Geico and the rest were half 
>> again if not double.
>> 
>> Just my 2 cents
>> 
>> 
>> 
>> From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel 
>> Aronson via CnC-List
>> Sent: Sunday, February 4, 2018 7:41 AM
>> To: cnc-list@cnc-list.com
>> Cc: Joel Aronson
>> Subject: Re: Stus-List insurance
>> 
>> 
>> 
>> Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had 
>> a similar experience.
>> 
>> 
>> 
>> On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
>>  wrote:
>> 
>> When I was shopping for insurance for our current boat, $85k value, boat us 
>> was the highest.  I went with a company called seaworthy (just a 
>> coincidence).  They were 1/2 what boat us wanted.  They have since been 
>> bought by gieco which now owns boat us I'm told.   Strange...
>> 
>> 
>> 
>> 
>> 
>> 
>> 
>> Sent from my T-Mobile 4G LTE Device
>> 
>> 
>> 
>>  Original message 
>> 
>> From: svrebeccaleah via CnC-List 
>> 
>> Date: 2/3/18 9:39 PM (GMT-05:00)
>> 
>> To: cnc-list@cnc-list.com
>> 
>> Cc: svrebeccaleah 
>> 
>> Subject: Re: Stus-List insurance
>> 
>> 
>> 
>> I am with Red Sield $850 for $60k. This is also live aboard, think my 
>> deductible is $1000.
>> 
>> 
>> 
>> Doug Mountjoy
>> 
>> Rebecca Leah
>> 
>> LF39
>> 
>> POYC, WA
>> 
>> 
>> 
>> 
>> 
>> 
>> 
>> 
>> 
>> Sent from my T-Mobile 4G LTE Device
>> 
>> 
>> 
>>  Original message 
>> 
>> From: ahycrace ahycrace via CnC-List 
>> 
>> Date: 2/3/18 12:50 (GMT-08:00)
>> 
>> To: cnc-list@cnc-list.com
>> 
>> Cc: ahycrace ahycrace 
>> 
>> Subject: Stus-List insurance
>> 
>> 
>> 
>> Hello all
>> 
>>Well I just got my insurance bill from boat US and it went up 
>> 238$  a pretty big incre

Re: Stus-List boat insurance for Liveaboards

[Rick Taillieu via CnC-List]

Try Dawn Marie at W.C.L. Bauld in Bedford, she handled my account when I had my 
25.

 

Dawn Marie Penney [dawn.ma...@wclbauld.com]

 

620 Nine Mile Drive, Unit 102, Bedford, NS B4A 0H4

ph: 902.832-6767  toll free ph: 877.925.2285

fax: 902.835.2604

 

 

Rick Taillieu

Cedar Island Yacht Club

Kingsville, Ontario

 

 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Dan via 
CnC-List
Sent: September-22-17 14:55
To: cnc-list@cnc-list.com
Cc: Dan
Subject: Stus-List boat insurance for Liveaboards

 

So as some of you may know I live aboard Breakaweigh full time here in Canada. 
It's still new to me and I've been working out boat insurance and weighing 
options. My current insurance is with Intact insurance and is roughly $600 
canadian dollars a year however when the topic of winter liveaboard came up 
they decided to not cover me whatsoever and I've had to look elsewhere. My 
local broker found me some insurance through "Yachtline Insurance" in the UK 
which has amazing coverage for all seasons including named storms, however it 
is very pricey at $2200 canadian per year. Does this sound reasonable or should 
I be looking elsewhere?

 

Thanks guys,

 

Dan

Breakaweigh

C&C 44, 1986

Halifax, NS

 


 

 

Virus-free.  

 www.avg.com 

 

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make a contribution to offset our costs, please go to:  
https://www.paypal.me/stumurray

All Contributions are greatly appreciated!

Re: Stus-List boat insurance for Liveaboards

[svpegasus38 via CnC-List]

I live aboard in the Seattle area. I use Red Shield for insurance, it costs me 
about $800us a year. My agent is Annette at Taylor Thomason insurance in 
Seattle. Give her a call at 253-284-7900. Sorry I don't have a toll free 
number. 


Sent from my T-Mobile 4G LTE DeviceDoug Mountjoy POYC Pegasus (for sale) Lf38 
Rebecca Leah LF39 
 Original message From: Dan via CnC-List 
 Date: 9/22/17  11:55  (GMT-08:00) To: 
cnc-list@cnc-list.com Cc: Dan  Subject: Stus-List boat 
insurance for Liveaboards 
So as some of you may know I live aboard Breakaweigh full time here in Canada. 
It's still new to me and I've been working out boat insurance and weighing 
options. My current insurance is with Intact insurance and is roughly $600 
canadian dollars a year however when the topic of winter liveaboard came up 
they decided to not cover me whatsoever and I've had to look elsewhere. My 
local broker found me some insurance through "Yachtline Insurance" in the UK 
which has amazing coverage for all seasons including named storms, however it 
is very pricey at $2200 canadian per year. Does this sound reasonable or should 
I be looking elsewhere?
Thanks guys,
DanBreakaweighC&C 44, 1986Halifax, NS
___

This list is supported by the generous donations of our members. If you wish to 
make a contribution to offset our costs, please go to:  
https://www.paypal.me/stumurray

All Contributions are greatly appreciated!

Re: Stus-List boat insurance for Liveaboards

[Marek Dziedzic via CnC-List]

I have no clue about liveaboard. I have a very good experience with the 
“Skipper Plan” it is underwritten by Aviva. I deal with a broker in the GTA 
(even though I am in Ottawa). You can always give them a call e.g. Petra Fisher 
at 647-725-9799 or the 1-800-661-7211.

No association other than a client (for almost 15 years).

Marek

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Dan via 
CnC-List
Sent: Friday, September 22, 2017 14:55
To: cnc-list@cnc-list.com
Cc: Dan 
Subject: Stus-List boat insurance for Liveaboards

So as some of you may know I live aboard Breakaweigh full time here in Canada. 
It's still new to me and I've been working out boat insurance and weighing 
options. My current insurance is with Intact insurance and is roughly $600 
canadian dollars a year however when the topic of winter liveaboard came up 
they decided to not cover me whatsoever and I've had to look elsewhere. My 
local broker found me some insurance through "Yachtline Insurance" in the UK 
which has amazing coverage for all seasons including named storms, however it 
is very pricey at $2200 canadian per year. Does this sound reasonable or should 
I be looking elsewhere?

Thanks guys,

Dan
Breakaweigh
C&C 44, 1986
Halifax, NS
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Re: Stus-List boat insurance

[Frederick G Street]

Well it's obvious that SOMEBODY has been practicing -- it's been snowing like a 
sumofabitch here all last night and this morning.

I'm sick of winter -- you guys can stop practicing now…   :^)

Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

On Mar 17, 2013, at 8:26 PM, Marek Dziedzic  wrote:

> I am afraid that starting a snowstorm is more difficult. You have to start a 
> hurricane first (the normal way) and then start a cold front coming from the 
> arctic to provide the cold air to cool the moisture. It is much more arcane 
> undertaking.

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Re: Stus-List boat insurance

[Marek Dziedzic]

I am afraid that starting a snowstorm is more difficult. You have to start a
hurricane first (the normal way) and then start a cold front coming from the
arctic to provide the cold air to cool the moisture. It is much more arcane
undertaking.

Marek 
Fennel in Ottawa

Message: 4
Date: Fri, 15 Mar 2013 15:45:39 -0400
From: "Della Barba, Joe" 
To: "cnc-list@cnc-list.com" 
Subject: Re: Stus-List boat insurance
Message-ID:
<1073606396712942aee54d9a960e45a71863a58...@hq-mb-07.ba.ad.ssa.gov>
Content-Type: text/plain; charset="us-ascii"

Same way you start a hurricane ;)

Joe Della Barba
Coquina
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Colin
Kilgour
Sent: Friday, March 15, 2013 3:44 PM
To: C&C List
Subject: Re: Stus-List boat insurance

How do you start a snowstorm? :-)

On Fri, Mar 15, 2013 at 11:37 AM, Tim Goodyear
mailto:timg...@gmail.com>> wrote:
Having just today received approval for a $12k pedestal replacement on
Mojito (building collapse during that NE snow storm), I can thoroughly
recommend Boat US...

Tim
Mojito
C&C 35-3
Branford, CT

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Re: Stus-List boat insurance

[Della Barba, Joe]

Same way you start a hurricane ;)

Joe Della Barba
Coquina
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Colin Kilgour
Sent: Friday, March 15, 2013 3:44 PM
To: C&C List
Subject: Re: Stus-List boat insurance

How do you start a snowstorm? :-)

On Fri, Mar 15, 2013 at 11:37 AM, Tim Goodyear 
mailto:timg...@gmail.com>> wrote:
Having just today received approval for a $12k pedestal replacement on Mojito 
(building collapse during that NE snow storm), I can thoroughly recommend Boat 
US...

Tim
Mojito
C&C 35-3
Branford, CT
On Thu, Mar 14, 2013 at 6:49 PM, David Knecht 
mailto:davidakne...@gmail.com>> wrote:
I have gotten responses from BoatUS and Gowrie and both include coverage to 
have the boat pulled in the event of a hurricane and both cover hurricane 
damage.  Gowrie was significantly cheaper!  Dave

On Mar 14, 2013, at 6:43 PM, Colin Kilgour wrote:


For basic coastal coverage,  BoatUS or any of the others mentioned
will do fine.

For more esoteric coverage (offshore,  hurricane season, charter,
funky cruising grounds) you may need more of a specialist.  I've
kicked around a few but have landed with IMIS (they advertise in all
the sailing mags). No claims experience yet (touch wood), but they can
get you the cover you need.

Cheers
Colin


On 3/14/13, Indigo mailto:ind...@thethomsons.us>> wrote:

ACE have always treated me well - small premium increases and payout for the
one claim I made

Jonathan
Indigo 35iii - Southport

--
Jonathan
Trade Show Services
Cell: (203) 395 0225
www.tradeshowservicesusa.com<http://www.tradeshowservicesusa.com/>

On Mar 14, 2013, at 0:23, Alan Bergen 
mailto:alan-at-h...@comcast.net>> wrote:

Call BoatUS.  They'll give you a quote, and if it's a good quote, you can
become a member and get their insurance.  Personally, I wouldn't get
insurance from anyone who doesn't specialize in boat insurance.  You want
to make sure you have adequate coverage:  hull, liability, fuel spill,
etc.  If you shop for the lowest price, you might also get the lowest
service when you need them.

Alan Bergen
C&C 35 Mk III Thirsty
Rose City YC
Portland, OR

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David Knecht, Ph.D.
Professor and Head of Microscopy Facility
Department of Molecular and Cell Biology
U-3125
91 N. Eagleville Rd.
University of Connecticut
Storrs, CT 06269
860-486-2200
860-486-4331 (fax)




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Re: Stus-List boat insurance

[Colin Kilgour]

How do you start a snowstorm? :-)



On Fri, Mar 15, 2013 at 11:37 AM, Tim Goodyear  wrote:

> Having just today received approval for a $12k pedestal replacement on
> Mojito (building collapse during that NE snow storm), I can thoroughly
> recommend Boat US...
>
> Tim
> Mojito
> C&C 35-3
> Branford, CT
>
> On Thu, Mar 14, 2013 at 6:49 PM, David Knecht wrote:
>
>> I have gotten responses from BoatUS and Gowrie and both include coverage
>> to have the boat pulled in the event of a hurricane and both cover
>> hurricane damage.  Gowrie was significantly cheaper!  Dave
>>
>>  On Mar 14, 2013, at 6:43 PM, Colin Kilgour wrote:
>>
>>  For basic coastal coverage,  BoatUS or any of the others mentioned
>> will do fine.
>>
>> For more esoteric coverage (offshore,  hurricane season, charter,
>> funky cruising grounds) you may need more of a specialist.  I've
>> kicked around a few but have landed with IMIS (they advertise in all
>> the sailing mags). No claims experience yet (touch wood), but they can
>> get you the cover you need.
>>
>> Cheers
>> Colin
>>
>>
>> On 3/14/13, Indigo  wrote:
>>
>> ACE have always treated me well - small premium increases and payout for
>> the
>>
>> one claim I made
>>
>>
>> Jonathan
>>
>> Indigo 35iii - Southport
>>
>>
>> --
>>
>> Jonathan
>>
>> Trade Show Services
>>
>> Cell: (203) 395 0225
>>
>> www.tradeshowservicesusa.com
>>
>>
>> On Mar 14, 2013, at 0:23, Alan Bergen  wrote:
>>
>>
>>  Call BoatUS.  They'll give you a quote, and if it's a good quote, you
>> can
>>
>>  become a member and get their insurance.  Personally, I wouldn't get
>>
>>  insurance from anyone who doesn't specialize in boat insurance.  You
>> want
>>
>>  to make sure you have adequate coverage:  hull, liability, fuel spill,
>>
>>  etc.  If you shop for the lowest price, you might also get the lowest
>>
>>  service when you need them.
>>
>>
>>  Alan Bergen
>>
>>  C&C 35 Mk III Thirsty
>>
>>  Rose City YC
>>
>>  Portland, OR
>>
>>
>>  ___
>>
>>  This List is provided by the C&C Photo Album
>>
>>  http://www.cncphotoalbum.com
>>
>>  CnC-List@cnc-list.com
>>
>>
>>
>> --
>> Sent from my mobile device
>>
>> ___
>> This List is provided by the C&C Photo Album
>> http://www.cncphotoalbum.com
>> CnC-List@cnc-list.com
>>
>>
>>   David Knecht, Ph.D.
>>  Professor and Head of Microscopy Facility
>> Department of Molecular and Cell Biology
>> U-3125
>> 91 N. Eagleville Rd.
>> University of Connecticut
>> Storrs, CT 06269
>> 860-486-2200
>> 860-486-4331 (fax)
>>
>>
>>
>>
>>
>> ___
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>> http://www.cncphotoalbum.com
>> CnC-List@cnc-list.com
>>
>>
>
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>
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Re: Stus-List boat insurance

[Tim Goodyear]

Having just today received approval for a $12k pedestal replacement on
Mojito (building collapse during that NE snow storm), I can thoroughly
recommend Boat US...

Tim
Mojito
C&C 35-3
Branford, CT

On Thu, Mar 14, 2013 at 6:49 PM, David Knecht wrote:

> I have gotten responses from BoatUS and Gowrie and both include coverage
> to have the boat pulled in the event of a hurricane and both cover
> hurricane damage.  Gowrie was significantly cheaper!  Dave
>
>  On Mar 14, 2013, at 6:43 PM, Colin Kilgour wrote:
>
>  For basic coastal coverage,  BoatUS or any of the others mentioned
> will do fine.
>
> For more esoteric coverage (offshore,  hurricane season, charter,
> funky cruising grounds) you may need more of a specialist.  I've
> kicked around a few but have landed with IMIS (they advertise in all
> the sailing mags). No claims experience yet (touch wood), but they can
> get you the cover you need.
>
> Cheers
> Colin
>
>
> On 3/14/13, Indigo  wrote:
>
> ACE have always treated me well - small premium increases and payout for
> the
>
> one claim I made
>
>
> Jonathan
>
> Indigo 35iii - Southport
>
>
> --
>
> Jonathan
>
> Trade Show Services
>
> Cell: (203) 395 0225
>
> www.tradeshowservicesusa.com
>
>
> On Mar 14, 2013, at 0:23, Alan Bergen  wrote:
>
>
>  Call BoatUS.  They'll give you a quote, and if it's a good quote, you can
>
>  become a member and get their insurance.  Personally, I wouldn't get
>
>  insurance from anyone who doesn't specialize in boat insurance.  You want
>
>  to make sure you have adequate coverage:  hull, liability, fuel spill,
>
>  etc.  If you shop for the lowest price, you might also get the lowest
>
>  service when you need them.
>
>
>  Alan Bergen
>
>  C&C 35 Mk III Thirsty
>
>  Rose City YC
>
>  Portland, OR
>
>
>  ___
>
>  This List is provided by the C&C Photo Album
>
>  http://www.cncphotoalbum.com
>
>  CnC-List@cnc-list.com
>
>
>
> --
> Sent from my mobile device
>
> ___
> This List is provided by the C&C Photo Album
> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com
>
>
>   David Knecht, Ph.D.
>  Professor and Head of Microscopy Facility
> Department of Molecular and Cell Biology
> U-3125
> 91 N. Eagleville Rd.
> University of Connecticut
> Storrs, CT 06269
> 860-486-2200
> 860-486-4331 (fax)
>
>
>
>
>
> ___
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> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com
>
>
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Re: Stus-List boat insurance

[David Knecht]

I have gotten responses from BoatUS and Gowrie and both include coverage to 
have the boat pulled in the event of a hurricane and both cover hurricane 
damage.  Gowrie was significantly cheaper!  Dave
 
On Mar 14, 2013, at 6:43 PM, Colin Kilgour wrote:

> For basic coastal coverage,  BoatUS or any of the others mentioned
> will do fine.
> 
> For more esoteric coverage (offshore,  hurricane season, charter,
> funky cruising grounds) you may need more of a specialist.  I've
> kicked around a few but have landed with IMIS (they advertise in all
> the sailing mags). No claims experience yet (touch wood), but they can
> get you the cover you need.
> 
> Cheers
> Colin
> 
> 
> On 3/14/13, Indigo  wrote:
>> ACE have always treated me well - small premium increases and payout for the
>> one claim I made
>> 
>> Jonathan
>> Indigo 35iii - Southport
>> 
>> --
>> Jonathan
>> Trade Show Services
>> Cell: (203) 395 0225
>> www.tradeshowservicesusa.com
>> 
>> On Mar 14, 2013, at 0:23, Alan Bergen  wrote:
>> 
>>> Call BoatUS.  They'll give you a quote, and if it's a good quote, you can
>>> become a member and get their insurance.  Personally, I wouldn't get
>>> insurance from anyone who doesn't specialize in boat insurance.  You want
>>> to make sure you have adequate coverage:  hull, liability, fuel spill,
>>> etc.  If you shop for the lowest price, you might also get the lowest
>>> service when you need them.
>>> 
>>> Alan Bergen
>>> C&C 35 Mk III Thirsty
>>> Rose City YC
>>> Portland, OR
>>> 
>>> ___
>>> This List is provided by the C&C Photo Album
>>> http://www.cncphotoalbum.com
>>> CnC-List@cnc-list.com
>> 
> 
> -- 
> Sent from my mobile device
> 
> ___
> This List is provided by the C&C Photo Album
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> CnC-List@cnc-list.com

David Knecht, Ph.D.
Professor and Head of Microscopy Facility
Department of Molecular and Cell Biology
U-3125
91 N. Eagleville Rd.
University of Connecticut
Storrs, CT 06269
860-486-2200
860-486-4331 (fax)




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Re: Stus-List boat insurance

[Colin Kilgour]

For basic coastal coverage,  BoatUS or any of the others mentioned
will do fine.

For more esoteric coverage (offshore,  hurricane season, charter,
funky cruising grounds) you may need more of a specialist.  I've
kicked around a few but have landed with IMIS (they advertise in all
the sailing mags). No claims experience yet (touch wood), but they can
get you the cover you need.

Cheers
Colin


On 3/14/13, Indigo  wrote:
> ACE have always treated me well - small premium increases and payout for the
> one claim I made
>
> Jonathan
> Indigo 35iii - Southport
>
> --
> Jonathan
> Trade Show Services
> Cell: (203) 395 0225
> www.tradeshowservicesusa.com
>
> On Mar 14, 2013, at 0:23, Alan Bergen  wrote:
>
>> Call BoatUS.  They'll give you a quote, and if it's a good quote, you can
>> become a member and get their insurance.  Personally, I wouldn't get
>> insurance from anyone who doesn't specialize in boat insurance.  You want
>> to make sure you have adequate coverage:  hull, liability, fuel spill,
>> etc.  If you shop for the lowest price, you might also get the lowest
>> service when you need them.
>>
>> Alan Bergen
>> C&C 35 Mk III Thirsty
>> Rose City YC
>> Portland, OR
>>
>> ___
>> This List is provided by the C&C Photo Album
>> http://www.cncphotoalbum.com
>> CnC-List@cnc-list.com
>

-- 
Sent from my mobile device

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Re: Stus-List boat insurance

[Indigo]

ACE have always treated me well - small premium increases and payout for the 
one claim I made 

Jonathan
Indigo 35iii - Southport

--
Jonathan
Trade Show Services
Cell: (203) 395 0225
www.tradeshowservicesusa.com

On Mar 14, 2013, at 0:23, Alan Bergen  wrote:

> Call BoatUS.  They'll give you a quote, and if it's a good quote, you can 
> become a member and get their insurance.  Personally, I wouldn't get 
> insurance from anyone who doesn't specialize in boat insurance.  You want to 
> make sure you have adequate coverage:  hull, liability, fuel spill, etc.  If 
> you shop for the lowest price, you might also get the lowest service when you 
> need them.
> 
> Alan Bergen
> C&C 35 Mk III Thirsty
> Rose City YC
> Portland, OR
> 
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Re: Stus-List boat insurance

[Alan Bergen]

Call BoatUS. They'll give you a quote, and if it's a good quote, you can become 
a member and get their insurance. Personally, I wouldn't get insurance from 
anyone who doesn't specialize in boat insurance. You want to make sure you have 
adequate coverage: hull, liability, fuel spill, etc. If you shop for the lowest 
price, you might also get the lowest service when you need them. 


Alan Bergen 
C&C 35 Mk III Thirsty 
Rose City YC 
Portland, OR 

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Re: Stus-List boat insurance

[billbruce]

I have a LF38 insured through Allstate...not a problem

Bill Bruce

 Josh Muckley  wrote: 
> Nope never heard of it.  Call Gowrie Group.
> 
> --
> When security matters.
> http://www.secure-my-email.com
> On Mar 13, 2013 2:43 PM, "David Knecht"  wrote:
> 
> > I am looking for insurance on the C&C34+ I am hopefully purchasing and ran
> > into an unusual response from Allstate.  They told me they could not quote
> > a policy because the underwriter will not insure a boat of more than 34
> > feet for coastal use.  Has anyone heard of anything like this before?  It
> > makes absolutely no sense to me and I am not sure if it is worth pursuing
> > in case something was lost in translation.  Thanks- Dave
> >
> > David Knecht, Ph.D.
> > Professor and Head of Microscopy Facility
> > Department of Molecular and Cell Biology
> > U-3125
> > 91 N. Eagleville Rd.
> > University of Connecticut
> > Storrs, CT 06269
> > 860-486-2200
> > 860-486-4331 (fax)
> >
> >
> >
> >
> >
> > ___
> > This List is provided by the C&C Photo Album
> > http://www.cncphotoalbum.com
> > CnC-List@cnc-list.com
> >
> >


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Re: Stus-List boat insurance

[Josh Muckley]

Nope never heard of it.  Call Gowrie Group.

--
When security matters.
http://www.secure-my-email.com
On Mar 13, 2013 2:43 PM, "David Knecht"  wrote:

> I am looking for insurance on the C&C34+ I am hopefully purchasing and ran
> into an unusual response from Allstate.  They told me they could not quote
> a policy because the underwriter will not insure a boat of more than 34
> feet for coastal use.  Has anyone heard of anything like this before?  It
> makes absolutely no sense to me and I am not sure if it is worth pursuing
> in case something was lost in translation.  Thanks- Dave
>
> David Knecht, Ph.D.
> Professor and Head of Microscopy Facility
> Department of Molecular and Cell Biology
> U-3125
> 91 N. Eagleville Rd.
> University of Connecticut
> Storrs, CT 06269
> 860-486-2200
> 860-486-4331 (fax)
>
>
>
>
>
> ___
> This List is provided by the C&C Photo Album
> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com
>
>
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Re: Stus-List boat insurance

[Knowles Rich]

I'd ask a question or two and if they can't give you a sensible answer "Sorry 
we screwed up!" I'd run away really quickly.

Rich Knowles
INDIGO LF38
Halifax, NS.





On 2013-03-13, at 3:43 PM, David Knecht  wrote:

I am looking for insurance on the C&C34+ I am hopefully purchasing and ran into 
an unusual response from Allstate.  They told me they could not quote a policy 
because the underwriter will not insure a boat of more than 34 feet for coastal 
use.  Has anyone heard of anything like this before?  It makes absolutely no 
sense to me and I am not sure if it is worth pursuing in case something was 
lost in translation.  Thanks- Dave

David Knecht, Ph.D.
Professor and Head of Microscopy Facility
Department of Molecular and Cell Biology
U-3125
91 N. Eagleville Rd.
University of Connecticut
Storrs, CT 06269
860-486-2200
860-486-4331 (fax)




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Re: Stus-List boat insurance

[Fred Hazzard]

I have 2 sailboats insured thru State Farm.  I lost the mast on Cal 20 and
while I was insured for only $3500 they paid $3200 less $250 deductible.  My
agent then suggested that maybe I'd like to raise my coverage.

 

Speaking of insurance,  State Farm will not insure my boat in Mexico.  I am
planning to sail to the Sea of Cortez next winter and would like any advise
you may have about getting good insurance coverage.

 

Fred Hazzard

S/V Fury

C&C 44

Portland, Or

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of John
Schumpert
Sent: Wednesday, March 13, 2013 12:09 PM
To: cnc-list@cnc-list.com
Subject: Re: Stus-List boat insurance

 

David, 
I have a 1991 34+ which is insured with BoatUS. I've been very happy with
them and they give  a discount on premiums each year if there have been no
claims. Of course, the premiums will probably increase this year due to the
damage by Sandy.

Monty Schumpert
Scandia
1991 C&C 34+
Annapolis, MD




On Wed, Mar 13, 2013 at 2:43 PM, David Knecht 
wrote:

I am looking for insurance on the C&C34+ I am hopefully purchasing and ran
into an unusual response from Allstate.  They told me they could not quote a
policy because the underwriter will not insure a boat of more than 34 feet
for coastal use.  Has anyone heard of anything like this before?  It makes
absolutely no sense to me and I am not sure if it is worth pursuing in case
something was lost in translation.  Thanks- Dave

 

David Knecht, Ph.D.

Professor and Head of Microscopy Facility

Department of Molecular and Cell Biology

U-3125

91 N. Eagleville Rd.

University of Connecticut

Storrs, CT 06269

860-486-2200

860-486-4331 (fax)

 

 

 


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Re: Stus-List boat insurance

[John Schumpert]

David,
I have a 1991 34+ which is insured with BoatUS. I've been very happy with
them and they give  a discount on premiums each year if there have been no
claims. Of course, the premiums will probably increase this year due to the
damage by Sandy.

Monty Schumpert
Scandia
1991 C&C 34+
Annapolis, MD



On Wed, Mar 13, 2013 at 2:43 PM, David Knecht wrote:

> I am looking for insurance on the C&C34+ I am hopefully purchasing and ran
> into an unusual response from Allstate.  They told me they could not quote
> a policy because the underwriter will not insure a boat of more than 34
> feet for coastal use.  Has anyone heard of anything like this before?  It
> makes absolutely no sense to me and I am not sure if it is worth pursuing
> in case something was lost in translation.  Thanks- Dave
>
> David Knecht, Ph.D.
> Professor and Head of Microscopy Facility
> Department of Molecular and Cell Biology
> U-3125
> 91 N. Eagleville Rd.
> University of Connecticut
> Storrs, CT 06269
> 860-486-2200
> 860-486-4331 (fax)
>
>
>
>
>
> ___
> This List is provided by the C&C Photo Album
> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com
>
>
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Re: Stus-List boat insurance

[Andrew Burton]

I just had good luck with Dawn at Gowrie Barden and Brett for Peregrine,
and I just got insurance for the owner of an old boat I'm delivering from
Central America through her. they understand boats.
Andy
C&C 40
Peregrine

On Wed, Mar 13, 2013 at 2:43 PM, David Knecht wrote:

> I am looking for insurance on the C&C34+ I am hopefully purchasing and ran
> into an unusual response from Allstate.  They told me they could not quote
> a policy because the underwriter will not insure a boat of more than 34
> feet for coastal use.  Has anyone heard of anything like this before?  It
> makes absolutely no sense to me and I am not sure if it is worth pursuing
> in case something was lost in translation.  Thanks- Dave
>
>   David Knecht, Ph.D.
>  Professor and Head of Microscopy Facility
> Department of Molecular and Cell Biology
> U-3125
> 91 N. Eagleville Rd.
> University of Connecticut
> Storrs, CT 06269
> 860-486-2200
> 860-486-4331 (fax)
>
>
>
>
>
> ___
> This List is provided by the C&C Photo Album
> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com
>
>


-- 
Andrew Burton
61 W Narragansett Ave
Newport, RI
USA 02840
http://sites.google.com/site/andrewburtonyachtservices/
phone  +401 965 5260
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Re: Stus-List boat insurance

[Della Barba, Joe]

Allstate - from what I can tell and I have them for my house - might insure a 
fishing boat in your driveway, but wants nothing to do with "yacht insurance". 
I have been very happy with BOATUS insurance.

Joe Della Barba

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of David Knecht
Sent: Wednesday, March 13, 2013 2:43 PM
To: CnC CnC discussion list
Subject: Stus-List boat insurance

I am looking for insurance on the C&C34+ I am hopefully purchasing and ran into 
an unusual response from Allstate.  They told me they could not quote a policy 
because the underwriter will not insure a boat of more than 34 feet for coastal 
use.  Has anyone heard of anything like this before?  It makes absolutely no 
sense to me and I am not sure if it is worth pursuing in case something was 
lost in translation.  Thanks- Dave

David Knecht, Ph.D.
Professor and Head of Microscopy Facility
Department of Molecular and Cell Biology
U-3125
91 N. Eagleville Rd.
University of Connecticut
Storrs, CT 06269
860-486-2200
860-486-4331 (fax)





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Re: Stus-List boat insurance

[Edd Schillay]

David,

I've never heard of that before. Suggest you give Total Dollar a call 
(www.totaldollar.com). 

Ask for Tom Carroll or Colin Fitzpatrick. 

Not only did they have the best price quote out there for my 37+, the 
coverage and claim response under Travelers has been phenomenal. Could not 
recommend them enough. 



All the best,

Edd


Edd M. Schillay
Starship Enterprise
C&C 37+ | Sail No: NCC-1701-B
City Island, NY 
Starship Enterprise's Captain's Log Website



On Mar 13, 2013, at 2:43 PM, David Knecht  wrote:

> I am looking for insurance on the C&C34+ I am hopefully purchasing and ran 
> into an unusual response from Allstate.  They told me they could not quote a 
> policy because the underwriter will not insure a boat of more than 34 feet 
> for coastal use.  Has anyone heard of anything like this before?  It makes 
> absolutely no sense to me and I am not sure if it is worth pursuing in case 
> something was lost in translation.  Thanks- Dave
> 
> David Knecht, Ph.D.
> Professor and Head of Microscopy Facility
> Department of Molecular and Cell Biology
> U-3125
> 91 N. Eagleville Rd.
> University of Connecticut
> Storrs, CT 06269
> 860-486-2200
> 860-486-4331 (fax)
> 
> 
> 
> 
> ___
> This List is provided by the C&C Photo Album
> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com

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Re: Stus-List - Boat Insurance

[jim aridas]

Boat US the way to go. had a racing collision, not my fault, they covered the 
repairs. They are going after the other parties insurance. When they get paid I 
will get my deductable back. Jim Galaxy

From: f...@postaudio.net
Date: Thu, 19 Jul 2012 15:57:45 -0500
To: cnc-list@cnc-list.com
Subject: Re: Stus-List - Boat Insurance

I agree with David -- it's definitely worth the couple of hundred $$$ a year to 
go with BoatUS.  I've had a few claims for various reasons over fifteen years 
(most charter-related) that they covered quickly and fully, without complaint 
and with no increase in premium.  My 1979 Landfall 38 has an agreed-value 
policy that would more than cover loss of the boat (especially in the current 
market), and is reasonable in cost.  The extras they include, like towing, oil 
spill coverage, wreck removal and such are things most homeowner insurer-type 
policies will NOT cover.  Read your ploicy closely.
BoatUS just does boats -- and they do them well.

Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(


On Jul 19, 2012, at 3:41 PM, David Risch wrote:Another possible twist...

I know two folks who lost their masts...with very different experiences.   The 
first unfortunate soul got nothing from the carrier while the second got a 
replacement mast with no problems.   Without further detail methinks they both 
got what they paid for.  

With that in mind and as I was going offshore I called BoatUS (my carrier) and 
asked the what if.   Specifically I was curious if the mast replacement cost X 
would they then depreciate it to Y and leave me with the differential?  Their 
reply was that as long as the replacement bill does not exceed insured value of 
the whole boat they would replace the mast.  

In my opinion the few hundred bucks a year savings (how much I don't know as I 
have not priced it around) for lesser coverage is not worth the hassle and 
potential problems during a very stressful time.
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Re: Stus-List - Boat Insurance

[Della Barba, Joe]

They handled my claim last year (hit a log and bent the shaft) with no issues 
at all.

Joe Della Barba

From: cnc-list-boun...@cnc-list.com [mailto:cnc-list-boun...@cnc-list.com] On 
Behalf Of djhaug...@juno.com
Sent: Friday, July 20, 2012 9:27 AM
To: cnc-list@cnc-list.com
Subject: Re: Stus-List - Boat Insurance

Okay, I think I'm going to go with BoatUS...There a lot of favorable stories 
with them.

Like someone said, for a few hundred a year its worth the peace of mind.

Danny

-- Original Message --
From: David Risch mailto:davidrisc...@msn.com>>
To: mailto:cnc-list@cnc-list.com>>
Subject: Re: Stus-List - Boat Insurance
Date: Thu, 19 Jul 2012 16:41:14 -0400
Another possible twist...

I know two folks who lost their masts...with very different experiences.   The 
first unfortunate soul got nothing from the carrier while the second got a 
replacement mast with no problems.   Without further detail methinks they both 
got what they paid for.

With that in mind and as I was going offshore I called BoatUS (my carrier) and 
asked the what if.   Specifically I was curious if the mast replacement cost X 
would they then depreciate it to Y and leave me with the differential?  Their 
reply was that as long as the replacement bill does not exceed insured value of 
the whole boat they would replace the mast.

In my opinion the few hundred bucks a year savings (how much I don't know as I 
have not priced it around) for lesser coverage is not worth the hassle and 
potential problems during a very stressful time.



David F. Risch
(401) 419-4650
1981 40-2


From: jcorni...@msn.com<mailto:jcorni...@msn.com>
To: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>
Date: Thu, 19 Jul 2012 16:26:08 -0400
Subject: Re: Stus-List - Boat Insurance
Sat on Yacht clubs anchorage committee for a few years and had a lot of 
problems with those boats insured by Progressive. Went as far as recommending 
to membership that they should be very careful in choosing them for boat 
insurance.  Boat US seems to do a good job and my experiece with them when my 
boat was damaged was very good. Sometimes what looks like a great deal may end 
up presenting more problems than the lower premium price is worth.

Moondance (C&C 29 MKI) is going to new owners over the weekend. I've 
recommended that they go with Boat US for insurance and towing but, as newbies 
they think then can save a few bucks. I will try and talk them into getting 
reasonable coverage which covers the cost of removal. Our club has 2/3 boats a 
year which end up going ashore and are costly to remove or refloat.

Jack Cornish


CC: cnc-list@cnc-list.com<mailto:cnc-list@cnc-list.com>; 
cnc-list-boun...@cnc-list.com<mailto:cnc-list-boun...@cnc-list.com>
From: elev...@grayinsco.com<mailto:elev...@grayinsco.com>
Date: Thu, 19 Jul 2012 15:03:50 -0500
Subject: Re: Stus-List - Boat Insurance

My C&C 27 Mk 1 was washed into the parking lot in Hurricane Katrina and was a 
total loss. At the time, I was insured by State Farm. Under the policy, their 
obligation to remove the wreck was dollar limited and would not have been 
sufficient to pay for the wreck removal had the State of Louisiana not removed 
her almost 1 year later. On the other hand, 3 weeks after the storm,  Boat US 
had a contractor with a crane barge in the harbor identifying and removing the 
wrecks of the boats they insured. I am now insured by Boat US as the New 
Orleans owned harbor required that the harbor and city be named as additional 
insureds under the policy for purposes of liability coverage. State Farm flatly 
would not name the harbor on the policy. Progressive's coverage of an 
additional insured did not, in my opinion, fulfill the harbor's requirements.

Moral - Read the policies and know what your are getting for your premium. As 
unpleasant as the idea of  wreck removal is, adequate coverage is essential. 
You get what you pay for.

Ed Levert
Dream Girl
C&C 30  Mk I
___ This List is provided by the 
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Re: Stus-List - Boat Insurance

[djhaug...@juno.com]

Okay, I think I'm going to go with BoatUS...There a lot of favorable stories 
with them. Like someone said, for a few hundred a year its worth the peace of 
mind. Danny

-- Original Message --
From: David Risch 
To: 
Subject: Re: Stus-List - Boat Insurance
Date: Thu, 19 Jul 2012 16:41:14 -0400


Another possible twist...

I know two folks who lost their masts...with very different experiences.   The 
first unfortunate soul got nothing from the carrier while the second got a 
replacement mast with no problems.   Without further detail methinks they both 
got what they paid for.  

With that in mind and as I was going offshore I called BoatUS (my carrier) and 
asked the what if.   Specifically I was curious if the mast replacement cost X 
would they then depreciate it to Y and leave me with the differential?  Their 
reply was that as long as the replacement bill does not exceed insured value of 
the whole boat they would replace the mast.  

In my opinion the few hundred bucks a year savings (how much I don't know as I 
have not priced it around) for lesser coverage is not worth the hassle and 
potential problems during a very stressful time.



David F. Risch
(401) 419-4650
1981 40-2

 From: jcorni...@msn.com
To: cnc-list@cnc-list.com
Date: Thu, 19 Jul 2012 16:26:08 -0400
Subject: Re: Stus-List - Boat Insurance

Sat on Yacht clubs anchorage committee for a few years and had a lot of 
problems with those boats insured by Progressive. Went as far as recommending 
to membership that they should be very careful in choosing them for boat 
insurance.  Boat US seems to do a good job and my experiece with them when my 
boat was damaged was very good. Sometimes what looks like a great deal may end 
up presenting more problems than the lower premium price is worth.  Moondance 
(C&C 29 MKI) is going to new owners over the weekend. I've recommended that 
they go with Boat US for insurance and towing but, as newbies they think then 
can save a few bucks. I will try and talk them into getting reasonable coverage 
which covers the cost of removal. Our club has 2/3 boats a year which end up 
going ashore and are costly to remove or refloat. 

Jack Cornish

 CC: cnc-list@cnc-list.com; cnc-list-boun...@cnc-list.com
From: elev...@grayinsco.com
Date: Thu, 19 Jul 2012 15:03:50 -0500
Subject: Re: Stus-List - Boat Insurance

My C&C 27 Mk 1 was washed into the parking lot in Hurricane Katrina and was a 
total loss. At the time, I was insured by State Farm. Under the policy, their 
obligation to remove the wreck was dollar limited and would not have been 
sufficient to pay for the wreck removal had the State of Louisiana not removed 
her almost 1 year later. On the other hand, 3 weeks after the storm,  Boat US 
had a contractor with a crane barge in the harbor identifying and removing the 
wrecks of the boats they insured. I am now insured by Boat US as the New 
Orleans owned harbor required that the harbor and city be named as additional 
insureds under the policy for purposes of liability coverage. State Farm flatly 
would not name the harbor on the policy. Progressive's coverage of an 
additional insured did not, in my opinion, fulfill the harbor's requirements. 
 
Moral - Read the policies and know what your are getting for your premium. As 
unpleasant as the idea of  wreck removal is, adequate coverage is essential. 
You get what you pay for. 
 
Ed Levert 
Dream Girl 
C&C 30  Mk I
___ This List is provided by the 
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Re: Stus-List - Boat Insurance

[David Risch]

Woah...that is huge.   I pay $800 for $75,000 coverage in Cape Cod. 
  David F. Risch
(401) 419-4650 cell

-Original Message-
From: Jack Brennan 
Date: Thu, 19 Jul 2012 21:15:06 
To: 
Subject: Re: Stus-List - Boat Insurance




Where you live is important on boat insurance. Down here in hurricane land, 
BoatUS is off the charts, as are many other insurers. 
  
BoatUS wanted close to 2K to insure my 1974 Bristol 30 with a $10,000 hull 
value, while Progressive provides the same coverage for $742 on a 12-month 
policy. 
  

From: Frederick G 
Street <mailto:f...@postaudio.net>  


Sent: Thursday, July 19, 2012 4:57 PM 
To: cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com>  
Subject: Re: Stus-List - Boat Insurance 
  
I agree with David -- it's definitely worth the couple of hundred $$$ a year to 
go with BoatUS.  I've had a few claims for various reasons over fifteen years 
(most charter-related) that they covered quickly and fully, without complaint 
and with no increase in premium.  My 1979 Landfall 38 has an agreed-value 
policy that would more than cover loss of the boat (especially in the current 
market), and is reasonable in cost.  The extras they include, like towing, oil 
spill coverage, wreck removal and such are things most homeowner insurer-type 
policies will NOT cover.  Read your ploicy closely. 
  
BoatUS just does boats -- and they do them well.



Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^( 
  

On Jul 19, 2012, at 3:41 PM, David Risch wrote:
 
 
Another possible twist...

I know two folks who lost their masts...with very different experiences.   The 
first unfortunate soul got nothing from the carrier while the second got a 
replacement mast with no problems.   Without further detail methinks they both 
got what they paid for.  

With that in mind and as I was going offshore I called BoatUS (my carrier) and 
asked the what if.   Specifically I was curious if the mast replacement cost X 
would they then depreciate it to Y and leave me with the differential?  Their 
reply was that as long as the replacement bill does not exceed insured value of 
the whole boat they would replace the mast.  

In my opinion the few hundred bucks a year savings (how much I don't know as I 
have not priced it around) for lesser coverage is not worth the hassle and 
potential problems during a very stressful time. 


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Re: Stus-List - Boat Insurance

[Indigo]

I can't rate ACE high enough. Rate has not changed significantly, very flexible 
with late haul out etc, and more importantly paid for the keel to be re-bed 
even though it was pretty obvious there was no damage from striking Rick etc


--
Jonathan
Indigo - Southport CT

On Jul 19, 2012, at 16:26, Jack Cornish  wrote:

> Sat on Yacht clubs anchorage committee for a few years and had a lot of 
> problems with those boats insured by Progressive. Went as far as recommending 
> to membership that they should be very careful in choosing them for boat 
> insurance.  Boat US seems to do a good job and my experiece with them when my 
> boat was damaged was very good. Sometimes what looks like a great deal may 
> end up presenting more problems than the lower premium price is worth. 
> 
> Moondance (C&C 29 MKI) is going to new owners over the weekend. I've 
> recommended that they go with Boat US for insurance and towing but, as 
> newbies they think then can save a few bucks. I will try and talk them into 
> getting reasonable coverage which covers the cost of removal. Our club has 
> 2/3 boats a year which end up going ashore and are costly to remove or 
> refloat. 
> 
> Jack Cornish
> 
> CC: cnc-list@cnc-list.com; cnc-list-boun...@cnc-list.com
> From: elev...@grayinsco.com
> Date: Thu, 19 Jul 2012 15:03:50 -0500
> Subject: Re: Stus-List - Boat Insurance
> 
> My C&C 27 Mk 1 was washed into the parking lot in Hurricane Katrina and was a 
> total loss. At the time, I was insured by State Farm. Under the policy, their 
> obligation to remove the wreck was dollar limited and would not have been 
> sufficient to pay for the wreck removal had the State of Louisiana not 
> removed her almost 1 year later. On the other hand, 3 weeks after the storm,  
> Boat US had a contractor with a crane barge in the harbor identifying and 
> removing the wrecks of the boats they insured. I am now insured by Boat US as 
> the New Orleans owned harbor required that the harbor and city be named as 
> additional insureds under the policy for purposes of liability coverage. 
> State Farm flatly would not name the harbor on the policy. Progressive's 
> coverage of an additional insured did not, in my opinion, fulfill the 
> harbor's requirements. 
> 
> Moral - Read the policies and know what your are getting for your premium. As 
> unpleasant as the idea of  wreck removal is, adequate coverage is essential. 
> You get what you pay for. 
> 
> Ed Levert 
> Dream Girl 
> C&C 30  Mk I
> ___ This List is provided by the 
> C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com
> ___
> This List is provided by the C&C Photo Album
> http://www.cncphotoalbum.com
> CnC-List@cnc-list.com
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Re: Stus-List - Boat Insurance

[Jack Brennan]

Where you live is important on boat insurance. Down here in hurricane land, 
BoatUS is off the charts, as are many other insurers.

BoatUS wanted close to 2K to insure my 1974 Bristol 30 with a $10,000 hull 
value, while Progressive provides the same coverage for $742 on a 12-month 
policy.

From: Frederick G Street 
Sent: Thursday, July 19, 2012 4:57 PM
To: cnc-list@cnc-list.com 
Subject: Re: Stus-List - Boat Insurance

I agree with David -- it's definitely worth the couple of hundred $$$ a year to 
go with BoatUS.  I've had a few claims for various reasons over fifteen years 
(most charter-related) that they covered quickly and fully, without complaint 
and with no increase in premium.  My 1979 Landfall 38 has an agreed-value 
policy that would more than cover loss of the boat (especially in the current 
market), and is reasonable in cost.  The extras they include, like towing, oil 
spill coverage, wreck removal and such are things most homeowner insurer-type 
policies will NOT cover.  Read your ploicy closely. 

BoatUS just does boats -- and they do them well.


Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

On Jul 19, 2012, at 3:41 PM, David Risch wrote:


  Another possible twist...

  I know two folks who lost their masts...with very different experiences.   
The first unfortunate soul got nothing from the carrier while the second got a 
replacement mast with no problems.   Without further detail methinks they both 
got what they paid for.  

  With that in mind and as I was going offshore I called BoatUS (my carrier) 
and asked the what if.   Specifically I was curious if the mast replacement 
cost X would they then depreciate it to Y and leave me with the differential?  
Their reply was that as long as the replacement bill does not exceed insured 
value of the whole boat they would replace the mast.  

  In my opinion the few hundred bucks a year savings (how much I don't know as 
I have not priced it around) for lesser coverage is not worth the hassle and 
potential problems during a very stressful time.



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CnC-List@cnc-list.com

Re: Stus-List - Boat Insurance

[Frederick G Street]

I agree with David -- it's definitely worth the couple of hundred $$$ a year to 
go with BoatUS.  I've had a few claims for various reasons over fifteen years 
(most charter-related) that they covered quickly and fully, without complaint 
and with no increase in premium.  My 1979 Landfall 38 has an agreed-value 
policy that would more than cover loss of the boat (especially in the current 
market), and is reasonable in cost.  The extras they include, like towing, oil 
spill coverage, wreck removal and such are things most homeowner insurer-type 
policies will NOT cover.  Read your ploicy closely.

BoatUS just does boats -- and they do them well.

Fred Street -- Minneapolis
S/V Oceanis (1979 C&C Landfall 38) -- on the hard in Bayfield, WI   :^(

On Jul 19, 2012, at 3:41 PM, David Risch wrote:

> Another possible twist...
> 
> I know two folks who lost their masts...with very different experiences.   
> The first unfortunate soul got nothing from the carrier while the second got 
> a replacement mast with no problems.   Without further detail methinks they 
> both got what they paid for.  
> 
> With that in mind and as I was going offshore I called BoatUS (my carrier) 
> and asked the what if.   Specifically I was curious if the mast replacement 
> cost X would they then depreciate it to Y and leave me with the differential? 
>  Their reply was that as long as the replacement bill does not exceed insured 
> value of the whole boat they would replace the mast.  
> 
> In my opinion the few hundred bucks a year savings (how much I don't know as 
> I have not priced it around) for lesser coverage is not worth the hassle and 
> potential problems during a very stressful time.
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Re: Stus-List - Boat Insurance

[Jack Brennan]

My C&C 25 was wrecked in Hurricane Wilma and beached in a sensitive Florida 
crocodile protection area on Key Biscayne. The rangers were hot on my trail, 
needless to say. Progressive removed the wreck quickly, even though hundreds of 
boats were wrecked all over South Florida,  and had an $8K check (full amount 
of coverage) in my hand a few weeks later. 

They couldn’t have been more helpful, a sharp contrast to how I was treated by 
my homeowners insurance company. Progressive won my boat business forever after 
that.

From: Jack Brennan 
Sent: Thursday, July 19, 2012 3:46 PM
To: cnc-list@cnc-list.com 
Subject: Re: Stus-List - Boat Insurance

Progressive is about half the price of BoatUS and does not require a survey. 
There is an upper limit to what they insure – maybe 20K – and they have a large 
deductible for named storms, however. 

From: johnr...@aol.com 
Sent: Thursday, July 19, 2012 3:21 PM
To: cnc-list@cnc-list.com 
Subject: Re: Stus-List - Boat Insurance

I had been using Boat US for my previous boat.  Also, they were the insurer for 
my recently purchased 29 MKII with the PO.  They sent me a quote for $13K less 
in value and at a rate nearly twice what they had been charging the PO.  
Nothing had changed the re boat.  Still moored at the same location and stored 
at the same location, sailed in same fashion in the same waters.  Since I had 
the purchase survey already in hand, I went to State Farm, who insure my car 
and condo, and got coverage for $2K over the survey estimate and at a very 
reasonable annual rate when compared to what others in my club are paying for 
their boats.  All State Farm asked was some minor corrections in safety areas - 
that I would have done anyway - that were mentioned in the survey. 

Cheers,
John McLaughlin
"Falcon"



-Original Message-
From: djhaughey 
To: cnc-list 
Sent: Thu, Jul 19, 2012 3:06 pm
Subject: Stus-List - Boat Insurance


Okay so I have some quotes.  Boat US is the highest and 2 times that of the 
lowest.  The lowest wants me to get the surveyor back out and Boat US just want 
my money.

Is Boat US insurance worth the extra money?  

Maybe just for the convenience factor.  I've been using them for the Oday 22 
and, have never had a claim...

Any thoughts?

Danny
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Re: Stus-List - Boat Insurance

[David Risch]

Another possible twist...

I know two folks who lost their masts...with very different experiences.   The 
first unfortunate soul got nothing from the carrier while the second got a 
replacement mast with no problems.   Without further detail methinks they both 
got what they paid for.  

With that in mind and as I was going offshore I called BoatUS (my carrier) and 
asked the what if.   Specifically I was curious if the mast replacement cost X 
would they then depreciate it to Y and leave me with the differential?  Their 
reply was that as long as the replacement bill does not exceed insured value of 
the whole boat they would replace the mast.  

In my opinion the few hundred bucks a year savings (how much I don't know as I 
have not priced it around) for lesser coverage is not worth the hassle and 
potential problems during a very stressful time.



David F. Risch
(401) 419-4650
1981 40-2

From: jcorni...@msn.com
To: cnc-list@cnc-list.com
Date: Thu, 19 Jul 2012 16:26:08 -0400
Subject: Re: Stus-List - Boat Insurance





Sat on Yacht clubs anchorage committee for a few years and had a lot of 
problems with those boats insured by Progressive. Went as far as recommending 
to membership that they should be very careful in choosing them for boat 
insurance.  Boat US seems to do a good job and my experiece with them when my 
boat was damaged was very good. Sometimes what looks like a great deal may end 
up presenting more problems than the lower premium price is worth. 
Moondance (C&C 29 MKI) is going to new owners over the weekend. I've 
recommended that they go with Boat US for insurance and towing but, as newbies 
they think then can save a few bucks. I will try and talk them into getting 
reasonable coverage which covers the cost of removal. Our club has 2/3 boats a 
year which end up going ashore and are costly to remove or refloat. 

Jack Cornish

CC: cnc-list@cnc-list.com; cnc-list-boun...@cnc-list.com
From: elev...@grayinsco.com
Date: Thu, 19 Jul 2012 15:03:50 -0500
Subject: Re: Stus-List - Boat Insurance

My C&C 27 Mk 1 was washed into the
parking lot in Hurricane Katrina and was a total loss. At the time, I was
insured by State Farm. Under the policy, their obligation to remove the
wreck was dollar limited and would not have been sufficient to pay for
the wreck removal had the State of Louisiana not removed her almost 1 year
later. On the other hand, 3 weeks after the storm,  Boat US had a
contractor with a crane barge in the harbor identifying and removing the
wrecks of the boats they insured. I am now insured by Boat US as the New
Orleans owned harbor required that the harbor and city be named as additional
insureds under the policy for purposes of liability coverage. State Farm
flatly would not name the harbor on the policy. Progressive's coverage
of an additional insured did not, in my opinion, fulfill the harbor's 
requirements.



Moral - Read the policies and know what
your are getting for your premium. As unpleasant as the idea of  wreck
removal is, adequate coverage is essential. You get what you pay for.



Ed Levert

Dream Girl

C&C 30  Mk I
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Re: Stus-List - Boat Insurance

[Jack Cornish]

Sat on Yacht clubs anchorage committee for a few years and had a lot of 
problems with those boats insured by Progressive. Went as far as recommending 
to membership that they should be very careful in choosing them for boat 
insurance.  Boat US seems to do a good job and my experiece with them when my 
boat was damaged was very good. Sometimes what looks like a great deal may end 
up presenting more problems than the lower premium price is worth. 
Moondance (C&C 29 MKI) is going to new owners over the weekend. I've 
recommended that they go with Boat US for insurance and towing but, as newbies 
they think then can save a few bucks. I will try and talk them into getting 
reasonable coverage which covers the cost of removal. Our club has 2/3 boats a 
year which end up going ashore and are costly to remove or refloat. 

Jack Cornish

CC: cnc-list@cnc-list.com; cnc-list-boun...@cnc-list.com
From: elev...@grayinsco.com
Date: Thu, 19 Jul 2012 15:03:50 -0500
Subject: Re: Stus-List - Boat Insurance

My C&C 27 Mk 1 was washed into the
parking lot in Hurricane Katrina and was a total loss. At the time, I was
insured by State Farm. Under the policy, their obligation to remove the
wreck was dollar limited and would not have been sufficient to pay for
the wreck removal had the State of Louisiana not removed her almost 1 year
later. On the other hand, 3 weeks after the storm,  Boat US had a
contractor with a crane barge in the harbor identifying and removing the
wrecks of the boats they insured. I am now insured by Boat US as the New
Orleans owned harbor required that the harbor and city be named as additional
insureds under the policy for purposes of liability coverage. State Farm
flatly would not name the harbor on the policy. Progressive's coverage
of an additional insured did not, in my opinion, fulfill the harbor's 
requirements.



Moral - Read the policies and know what
your are getting for your premium. As unpleasant as the idea of  wreck
removal is, adequate coverage is essential. You get what you pay for.



Ed Levert

Dream Girl

C&C 30  Mk I
___
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Re: Stus-List - Boat Insurance

[ELevert]

My C&C 27 Mk 1 was washed into the parking lot in Hurricane Katrina and 
was a total loss. At the time, I was insured by State Farm. Under the 
policy, their obligation to remove the wreck was dollar limited and would 
not have been sufficient to pay for the wreck removal had the State of 
Louisiana not removed her almost 1 year later. On the other hand, 3 weeks 
after the storm,  Boat US had a contractor with a crane barge in the 
harbor identifying and removing the wrecks of the boats they insured. I am 
now insured by Boat US as the New Orleans owned harbor required that the 
harbor and city be named as additional insureds under the policy for 
purposes of liability coverage. State Farm flatly would not name the 
harbor on the policy. Progressive's coverage of an additional insured did 
not, in my opinion, fulfill the harbor's requirements.

Moral - Read the policies and know what your are getting for your premium. 
As unpleasant as the idea of  wreck removal is, adequate coverage is 
essential. You get what you pay for.

Ed Levert
Dream Girl
C&C 30  Mk I___
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Re: Stus-List - Boat Insurance

[Jack Brennan]

Progressive is about half the price of BoatUS and does not require a survey. 
There is an upper limit to what they insure – maybe 20K – and they have a large 
deductible for named storms, however. 

From: johnr...@aol.com 
Sent: Thursday, July 19, 2012 3:21 PM
To: cnc-list@cnc-list.com 
Subject: Re: Stus-List - Boat Insurance

I had been using Boat US for my previous boat.  Also, they were the insurer for 
my recently purchased 29 MKII with the PO.  They sent me a quote for $13K less 
in value and at a rate nearly twice what they had been charging the PO.  
Nothing had changed the re boat.  Still moored at the same location and stored 
at the same location, sailed in same fashion in the same waters.  Since I had 
the purchase survey already in hand, I went to State Farm, who insure my car 
and condo, and got coverage for $2K over the survey estimate and at a very 
reasonable annual rate when compared to what others in my club are paying for 
their boats.  All State Farm asked was some minor corrections in safety areas - 
that I would have done anyway - that were mentioned in the survey. 

Cheers,
John McLaughlin
"Falcon"



-Original Message-
From: djhaughey 
To: cnc-list 
Sent: Thu, Jul 19, 2012 3:06 pm
Subject: Stus-List - Boat Insurance


Okay so I have some quotes.  Boat US is the highest and 2 times that of the 
lowest.  The lowest wants me to get the surveyor back out and Boat US just want 
my money.

Is Boat US insurance worth the extra money?  

Maybe just for the convenience factor.  I've been using them for the Oday 22 
and, have never had a claim...

Any thoughts?

Danny
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Re: Stus-List - Boat Insurance

[johnrmcl]

I had been using Boat US for my previous boat.  Also, they were the insurer for 
my recently purchased 29 MKII with the PO.  They sent me a quote for $13K less 
in value and at a rate nearly twice what they had been charging the PO.  
Nothing had changed the re boat.  Still moored at the same location and stored 
at the same location, sailed in same fashion in the same waters.  Since I had 
the purchase survey already in hand, I went to State Farm, who insure my car 
and condo, and got coverage for $2K over the survey estimate and at a very 
reasonable annual rate when compared to what others in my club are paying for 
their boats.  All State Farm asked was some minor corrections in safety areas - 
that I would have done anyway - that were mentioned in the survey.


Cheers,
John McLaughlin
"Falcon"



-Original Message-
From: djhaughey 
To: cnc-list 
Sent: Thu, Jul 19, 2012 3:06 pm
Subject: Stus-List  - Boat Insurance


Okay so I have some quotes.  Boat US is the highest and 2 times that of the 
lowest.  The lowest wants me to get the surveyor back out and Boat US just want 
my money.
 
Is Boat US insurance worth the extra money?  
 
Maybe just for the convenience factor.  I've been using them for the Oday 22 
and, have never had a claim...
 
Any thoughts?
 
Danny
 
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Re: Stus-List - Boat Insurance

[Edd Schillay]

Danny,

I found Boat US prices to be way high too. At a boat show years ago, I spoke
with Tom Carroll at Total Dollar Insurance (based out of Port Washington, NY
‹ where I grew up, assuming that I ever really grew up.) They got me a great
policy through Travelers and the claims process was amazingly simple and
easy after some incidents where the boat broke loose in a storm.

Total can be reached at 516.833.1555. Ask for Tom Carroll or Peggy Haze and
please tell him I sent you. I can't imagine a better outfit or a batter
rate.

Never hurts to get a good survey and Boat US may demand one after your
policy is written. 

All the best,

Edd


Edd M. Schillay
Starship Enterprise
C&C 37/40+ | Sail No: NCC-1701-B
City Island, NY 
Starship Enterprise's Captain's Log Website 


From:  "djhaug...@juno.com" 
Reply-To:  
Date:  Thursday, July 19, 2012 3:05 PM
To:  
Subject:  Stus-List  - Boat Insurance

Okay so I have some quotes.  Boat US is the highest and 2 times that of the
lowest.  The lowest wants me to get the surveyor back out and Boat US just
want my money.
 
Is Boat US insurance worth the extra money?
 
Maybe just for the convenience factor.  I've been using them for the Oday 22
and, have never had a claim...
 
Any thoughts?
 
Danny
___ This List is provided by the
C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com

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