Stus-List Re: Insurance

[CHARLES SCHEAFFER via CnC-List]

You guys are smarter than me, but I got a Progressive policy 15 years ago and 
the premium has dropped every year, I don't have a claim.  No surveys is my 
reason.  $40,000 value and $500 liabilty and the premium is now under $600.  
Not sure if they will ever react to a decent claim.  No idea.
 
BTW, I believe my boat is worth $55K based on the market but might sell for 
$35K.  Go figure.
 
Chuck S

> On 07/21/2023 6:00 PM EDT Neil Andersen via CnC-List  
> wrote:
>  
>  
> Amen!
>  
> Neil Andersen, W3NEA 
> Rock Hall, MD 21661
> 484-354-8800
> 
> -
> From: Matt Wolford via CnC-List 
> Sent: Friday, July 21, 2023 4:15:59 PM
> To: 'Stus-List' 
> Cc: johnmcc...@comcast.net ; wolf...@erie.net 
> 
> Subject: Stus-List Re: Insurance
>  
> 
> I don’t understand why Boat US first endorsed GEICO, then essentially 
> partnered with them (or are owned by them) given how GEICO treats Boat US 
> members with older boats.
> 
>  
> 
> From: John McCrea via CnC-List 
> Sent: Friday, July 21, 2023 3:59 PM
> To: 'Stus-List' 
> Cc: johnmcc...@comcast.net
> Subject: Stus-List Re: Insurance
> 
>  
> 
> Thanks Bill. I had Gieco up until May. They fired all US agents and will only 
> go direct and when I tried they denied. They do not want boats older than 20 
> years now.
> 
>  
> 
> My agent, Gowrie in CT is one of the best and they found me a new similar 
> policy at progressive. For the same $$ as well.
> 
>  
> 
> From: Bill Coleman via CnC-List  mailto:cnc-list@cnc-list.com>
> Sent: Friday, July 21, 2023 3:49 PM
> To: Stus-List mailto:cnc-list@cnc-list.com>
> Cc: Bill Coleman mailto:colt...@gmail.com>
> Subject: Stus-List Insurance
> 
>  
> 
> Just got this in a newsletter from the local broker, it does a little more 
> Plain 'Splainin on the subject of boat insurance.
> 
>  
> 
> << At the YBAAU, we had an excellent presentation by Bob Peck of Triton 
> Marine Insurance. If you currently own a boat, you almost certainly noticed a 
> sizable increase in your premium this year. That said, marine insurance is 
> not as expensive as most people expect it to be, but the rub is obtaining 
> coverage in the first place. The whole insurance industry took an 
> $118,000,000,000 loss due to Hurricane Ian, and this catastrophic loss had a 
> wide ranging impact across the industry. Four large companies failed, and 
> there are fewer markets for your agent to place your coverage with.
> 
> Four main areas the underwriters look for when a customer is looking for 
> insurance are location of use, age of vessel, owner experience, and the 
> “10-foot rule.”
> 
> * Florida has become a very difficult place to obtain coverage, and so has 
> the Caribbean. If you can get coverage at all you need a storm plan, along 
> with other stipulations.
> * The age of the vessel is also a key criterion, the older the boat the more 
> difficult it is to obtain insurance.
> * Owner experience was always an issue, but until recently it was rarely an 
> obstacle to coverage; it was more a pricing factor. Now brokers need to work 
> with their agents to develop a plan to cover new owners who have little to no 
> prior boating experience. A package containing training is usually required.
> * Finally the “10-foot rule” means the companies normally do not want an 
> owner to move to a larger boat that is more than 10 feet larger that the one 
> they currently own. A customer who currently has a 17-foot center console 
> runabout is unlikely to get coverage for a 40-foot boat for example. Often 
> they are requiring that a captain be aboard for a specified period of time 
> while the owners gain the requisite skill and experience.
> * Other problem insurance risks are liveaboards and houseboats. The larger 
> and more expensive the boat, the more these rules come into play.
> * Here at RCR we have been fortunate, through long-established relationships 
> with marine insurance specialists, to get our customers covered but it has 
> not always been quick and easy. Our suggestion is that if you presently have 
> coverage, don’t think of moving to another carrier to save a few bucks, be 
> satisfied that you have a policy.
> 
> << 
> 
> Please show your appreciation for this list and the Photo Album site and help 
> me pay the associated bills. Make a contribution at:
> https://www.paypal.me/stumurray
> Thanks for your help.
> Stu
> 
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance

[Neil Andersen via CnC-List]

Amen!

Neil Andersen, W3NEA
Rock Hall, MD 21661
484-354-8800

From: Matt Wolford via CnC-List 
Sent: Friday, July 21, 2023 4:15:59 PM
To: 'Stus-List' 
Cc: johnmcc...@comcast.net ; wolf...@erie.net 

Subject: Stus-List Re: Insurance


I don’t understand why Boat US first endorsed GEICO, then essentially partnered 
with them (or are owned by them) given how GEICO treats Boat US members with 
older boats.



From: John McCrea via CnC-List 
Sent: Friday, July 21, 2023 3:59 PM
To: 'Stus-List' 
Cc: johnmcc...@comcast.net
Subject: Stus-List Re: Insurance



Thanks Bill. I had Gieco up until May. They fired all US agents and will only 
go direct and when I tried they denied. They do not want boats older than 20 
years now.



My agent, Gowrie in CT is one of the best and they found me a new similar 
policy at progressive. For the same $$ as well.



From: Bill Coleman via CnC-List 
mailto:cnc-list@cnc-list.com>>
Sent: Friday, July 21, 2023 3:49 PM
To: Stus-List mailto:cnc-list@cnc-list.com>>
Cc: Bill Coleman mailto:colt...@gmail.com>>
Subject: Stus-List Insurance



Just got this in a newsletter from the local broker, it does a little more 
Plain 'Splainin on the subject of boat insurance.



<< At the YBAAU, we had an excellent presentation by Bob Peck of Triton Marine 
Insurance. If you currently own a boat, you almost certainly noticed a sizable 
increase in your premium this year. That said, marine insurance is not as 
expensive as most people expect it to be, but the rub is obtaining coverage in 
the first place. The whole insurance industry took an $118,000,000,000 loss due 
to Hurricane Ian, and this catastrophic loss had a wide ranging impact across 
the industry. Four large companies failed, and there are fewer markets for your 
agent to place your coverage with.

Four main areas the underwriters look for when a customer is looking for 
insurance are location of use, age of vessel, owner experience, and the 
“10-foot rule.”

  *   Florida has become a very difficult place to obtain coverage, and so has 
the Caribbean. If you can get coverage at all you need a storm plan, along with 
other stipulations.
  *   The age of the vessel is also a key criterion, the older the boat the 
more difficult it is to obtain insurance.
  *   Owner experience was always an issue, but until recently it was rarely an 
obstacle to coverage; it was more a pricing factor. Now brokers need to work 
with their agents to develop a plan to cover new owners who have little to no 
prior boating experience. A package containing training is usually required.
  *   Finally the “10-foot rule” means the companies normally do not want an 
owner to move to a larger boat that is more than 10 feet larger that the one 
they currently own. A customer who currently has a 17-foot center console 
runabout is unlikely to get coverage for a 40-foot boat for example. Often they 
are requiring that a captain be aboard for a specified period of time while the 
owners gain the requisite skill and experience.
  *   Other problem insurance risks are liveaboards and houseboats. The larger 
and more expensive the boat, the more these rules come into play.
  *   Here at RCR we have been fortunate, through long-established 
relationships with marine insurance specialists, to get our customers covered 
but it has not always been quick and easy. Our suggestion is that if you 
presently have coverage, don’t think of moving to another carrier to save a few 
bucks, be satisfied that you have a policy.

<<
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance

[Matt Wolford via CnC-List]

I don’t understand why Boat US first endorsed GEICO, then essentially partnered 
with them (or are owned by them) given how GEICO treats Boat US members with 
older boats.

 

From: John McCrea via CnC-List  
Sent: Friday, July 21, 2023 3:59 PM
To: 'Stus-List' 
Cc: johnmcc...@comcast.net
Subject: Stus-List Re: Insurance

 

Thanks Bill. I had Gieco up until May. They fired all US agents and will only 
go direct and when I tried they denied. They do not want boats older than 20 
years now. 

 

My agent, Gowrie in CT is one of the best and they found me a new similar 
policy at progressive. For the same $$ as well. 

 

From: Bill Coleman via CnC-List mailto:cnc-list@cnc-list.com> > 
Sent: Friday, July 21, 2023 3:49 PM
To: Stus-List mailto:cnc-list@cnc-list.com> >
Cc: Bill Coleman mailto:colt...@gmail.com> >
Subject: Stus-List Insurance

 

Just got this in a newsletter from the local broker, it does a little more 
Plain 'Splainin on the subject of boat insurance.

 

<< At the YBAAU, we had an excellent presentation by Bob Peck of Triton Marine 
Insurance. If you currently own a boat, you almost certainly noticed a sizable 
increase in your premium this year. That said, marine insurance is not as 
expensive as most people expect it to be, but the rub is obtaining coverage in 
the first place. The whole insurance industry took an $118,000,000,000 loss due 
to Hurricane Ian, and this catastrophic loss had a wide ranging impact across 
the industry. Four large companies failed, and there are fewer markets for your 
agent to place your coverage with.

Four main areas the underwriters look for when a customer is looking for 
insurance are location of use, age of vessel, owner experience, and the 
“10-foot rule.”

*   Florida has become a very difficult place to obtain coverage, and so 
has the Caribbean. If you can get coverage at all you need a storm plan, along 
with other stipulations. 
*   The age of the vessel is also a key criterion, the older the boat the 
more difficult it is to obtain insurance. 
*   Owner experience was always an issue, but until recently it was rarely 
an obstacle to coverage; it was more a pricing factor. Now brokers need to work 
with their agents to develop a plan to cover new owners who have little to no 
prior boating experience. A package containing training is usually required. 
*   Finally the “10-foot rule” means the companies normally do not want an 
owner to move to a larger boat that is more than 10 feet larger that the one 
they currently own. A customer who currently has a 17-foot center console 
runabout is unlikely to get coverage for a 40-foot boat for example. Often they 
are requiring that a captain be aboard for a specified period of time while the 
owners gain the requisite skill and experience. 
*   Other problem insurance risks are liveaboards and houseboats. The 
larger and more expensive the boat, the more these rules come into play.
*   Here at RCR we have been fortunate, through long-established 
relationships with marine insurance specialists, to get our customers covered 
but it has not always been quick and easy. Our suggestion is that if you 
presently have coverage, don’t think of moving to another carrier to save a few 
bucks, be satisfied that you have a policy. 

<< 

Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance

[John McCrea via CnC-List]

Thanks Bill. I had Gieco up until May. They fired all US agents and will only 
go direct and when I tried they denied. They do not want boats older than 20 
years now. 

 

My agent, Gowrie in CT is one of the best and they found me a new similar 
policy at progressive. For the same $$ as well. 

 

From: Bill Coleman via CnC-List  
Sent: Friday, July 21, 2023 3:49 PM
To: Stus-List 
Cc: Bill Coleman 
Subject: Stus-List Insurance

 

Just got this in a newsletter from the local broker, it does a little more 
Plain 'Splainin on the subject of boat insurance.

 

<< At the YBAAU, we had an excellent presentation by Bob Peck of Triton Marine 
Insurance. If you currently own a boat, you almost certainly noticed a sizable 
increase in your premium this year. That said, marine insurance is not as 
expensive as most people expect it to be, but the rub is obtaining coverage in 
the first place. The whole insurance industry took an $118,000,000,000 loss due 
to Hurricane Ian, and this catastrophic loss had a wide ranging impact across 
the industry. Four large companies failed, and there are fewer markets for your 
agent to place your coverage with.

Four main areas the underwriters look for when a customer is looking for 
insurance are location of use, age of vessel, owner experience, and the 
“10-foot rule.”

*   Florida has become a very difficult place to obtain coverage, and so 
has the Caribbean. If you can get coverage at all you need a storm plan, along 
with other stipulations. 
*   The age of the vessel is also a key criterion, the older the boat the 
more difficult it is to obtain insurance. 
*   Owner experience was always an issue, but until recently it was rarely 
an obstacle to coverage; it was more a pricing factor. Now brokers need to work 
with their agents to develop a plan to cover new owners who have little to no 
prior boating experience. A package containing training is usually required. 
*   Finally the “10-foot rule” means the companies normally do not want an 
owner to move to a larger boat that is more than 10 feet larger that the one 
they currently own. A customer who currently has a 17-foot center console 
runabout is unlikely to get coverage for a 40-foot boat for example. Often they 
are requiring that a captain be aboard for a specified period of time while the 
owners gain the requisite skill and experience. 
*   Other problem insurance risks are liveaboards and houseboats. The 
larger and more expensive the boat, the more these rules come into play.
*   Here at RCR we have been fortunate, through long-established 
relationships with marine insurance specialists, to get our customers covered 
but it has not always been quick and easy. Our suggestion is that if you 
presently have coverage, don’t think of moving to another carrier to save a few 
bucks, be satisfied that you have a policy. 

<< 

Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[David Risch via CnC-List]

When we went to the Dark Side my 40 to 49’ was  not questioned.  But reading on 
Trawler Forum, the 10’ increments are a thing.

From: Dennis C. via CnC-List 
Sent: Monday, July 17, 2023 7:49 PM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

Still haven't gotten any more information on this.

Dennis C.

On Sun, Jul 2, 2023 at 2:19 PM Dennis C. via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
This is strange.  I was chatting with a friend who is looking for a larger boat 
(power).  He said a couple of insurance representatives and a knowledgeable 
broker told him he could not get insurance for a boat more than 15 feet longer 
than his existing boat unless he has a master's license.  Anybody else heard 
that?

Can't seem to find an answer on the internet.  And how does one buy a first 
boat if it's long?

He's okay because he is only moving from 23 feet to 37 feet.  He has taken the 
Power Squadron course and said that didn't matter.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu


--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[Dave S via CnC-List]

I had unexpected challenges insuring my new boat, and in the end was finally able to overpay for minimal coverage.  Through the process I spoke with several brokers and got a sense of the climate.     Each carrier has its own quirks, rules and inclinations but overall I was left with the impression that the industry has seen a rise in risk in aggregate and has become more conservative and selective.  Boats with less than perfect surveys and older boats generally seem not to be  an attractive market for most insurers, (perhaps it’s the demographic!). unless the boat is a high$ ‘gold plater’.   For the small premium involved it’s seems not to be worth it to many insurers.   I had made my offer subject to insurability, without expecting it to be a problem, and it was.   One broker told me that she now recommends this to all clients.  Dave 33-2 Sent from my iPhoneOn Jul 18, 2023, at 2:11 PM, Dennis C. via CnC-List  wrote:I'm not overly surprised at this.  In some ways I support it.  I've seen some obnoxious, if not outright dangerous, situations caused by operators of larger powerboats.  Perhaps handing the keys to a 40+ foot express cruiser to a newbie isn't exactly a bright idea.Although I don't hold a master's license, my insurance company liked the fact that I was a certified Officer of the Deck Underway Fleet Steaming on a 384 foot, 2800 ton US Navy ship.  They give me a discount for that.--Dennis C.Touche' 35-1 #83Mandeville, LAOn Mon, Jul 17, 2023 at 9:06 PM Martin DeYoung  wrote:






When we purchased our 1956 Matthews 42 with twin 454 gas V8 engines we had difficulty obtaining insurance at any cost. After a haul-out survey, drawn fasteners, and certifying the survey findings we got to my qualifications to own and operate the vessel.




The insurance company that was most promising asked about my ownership and experience operating/navigating similar size vessels. They also asked about what training/education related to boat operation I had competed.




Fortunately, I had all those bases covered and we were able to bind coverage.  The cost is 4X what we pay for Calypso.  We were expecting 3X, hoping for 2X.




I expect newbies, possibly during COVID buying more boat than they could handle along with high payouts from storm damage is driving insurance companies out of the market.




Please show your appreciation for this list and the Photo Album site and help me pay the associated bills.  Make a contribution at:https://www.paypal.me/stumurrayThanks for your help.StuPlease show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[Dennis C. via CnC-List]

I'm not overly surprised at this.  In some ways I support it.  I've seen
some obnoxious, if not outright dangerous, situations caused by operators
of larger powerboats.  Perhaps handing the keys to a 40+ foot express
cruiser to a newbie isn't exactly a bright idea.

Although I don't hold a master's license, my insurance company liked the
fact that I was a certified Officer of the Deck Underway Fleet Steaming on
a 384 foot, 2800 ton US Navy ship.  They give me a discount for that.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

On Mon, Jul 17, 2023 at 9:06 PM Martin DeYoung 
wrote:

> When we purchased our 1956 Matthews 42 with twin 454 gas V8 engines we had
> difficulty obtaining insurance at any cost. After a haul-out survey, drawn
> fasteners, and certifying the survey findings we got to my qualifications
> to own and operate the vessel.
>
> The insurance company that was most promising asked about my ownership and
> experience operating/navigating similar size vessels. They also asked about
> what training/education related to boat operation I had competed.
>
> Fortunately, I had all those bases covered and we were able to bind
> coverage.  The cost is 4X what we pay for Calypso.  We were expecting 3X,
> hoping for 2X.
>
> I expect newbies, possibly during COVID buying more boat than they could
> handle along with high payouts from storm damage is driving insurance
> companies out of the market.
>
>
>
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[Korbey Hunt via CnC-List]

I am anticipating liability only cicerage this fall.  Last year hull value 
coverage of $77k caused $3,600

Get Outlook for Android<https://aka.ms/AAb9ysg>

From: Martin DeYoung via CnC-List 
Sent: Monday, July 17, 2023 7:06:00 PM
To: Stus-List 
Cc: Martin DeYoung 
Subject: Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

When we purchased our 1956 Matthews 42 with twin 454 gas V8 engines we had 
difficulty obtaining insurance at any cost. After a haul-out survey, drawn 
fasteners, and certifying the survey findings we got to my qualifications to 
own and operate the vessel.

The insurance company that was most promising asked about my ownership and 
experience operating/navigating similar size vessels. They also asked about 
what training/education related to boat operation I had competed.

Fortunately, I had all those bases covered and we were able to bind coverage.  
The cost is 4X what we pay for Calypso.  We were expecting 3X, hoping for 2X.

I expect newbies, possibly during COVID buying more boat than they could handle 
along with high payouts from storm damage is driving insurance companies out of 
the market.

Martin DeYoung
Calypso
1971 C&C 43

Greta
1956 Matthews 42
Port Ludlow

From: Dennis C. via CnC-List 
Sent: Monday, July 17, 2023 4:49 PM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

Still haven't gotten any more information on this.

Dennis C.

On Sun, Jul 2, 2023 at 2:19 PM Dennis C. via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
This is strange.  I was chatting with a friend who is looking for a larger boat 
(power).  He said a couple of insurance representatives and a knowledgeable 
broker told him he could not get insurance for a boat more than 15 feet longer 
than his existing boat unless he has a master's license.  Anybody else heard 
that?

Can't seem to find an answer on the internet.  And how does one buy a first 
boat if it's long?

He's okay because he is only moving from 23 feet to 37 feet.  He has taken the 
Power Squadron course and said that didn't matter.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu


--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[Martin DeYoung via CnC-List]

When we purchased our 1956 Matthews 42 with twin 454 gas V8 engines we had 
difficulty obtaining insurance at any cost. After a haul-out survey, drawn 
fasteners, and certifying the survey findings we got to my qualifications to 
own and operate the vessel.

The insurance company that was most promising asked about my ownership and 
experience operating/navigating similar size vessels. They also asked about 
what training/education related to boat operation I had competed.

Fortunately, I had all those bases covered and we were able to bind coverage.  
The cost is 4X what we pay for Calypso.  We were expecting 3X, hoping for 2X.

I expect newbies, possibly during COVID buying more boat than they could handle 
along with high payouts from storm damage is driving insurance companies out of 
the market.

Martin DeYoung
Calypso
1971 C&C 43

Greta
1956 Matthews 42
Port Ludlow

From: Dennis C. via CnC-List 
Sent: Monday, July 17, 2023 4:49 PM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

Still haven't gotten any more information on this.

Dennis C.

On Sun, Jul 2, 2023 at 2:19 PM Dennis C. via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
This is strange.  I was chatting with a friend who is looking for a larger boat 
(power).  He said a couple of insurance representatives and a knowledgeable 
broker told him he could not get insurance for a boat more than 15 feet longer 
than his existing boat unless he has a master's license.  Anybody else heard 
that?

Can't seem to find an answer on the internet.  And how does one buy a first 
boat if it's long?

He's okay because he is only moving from 23 feet to 37 feet.  He has taken the 
Power Squadron course and said that didn't matter.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu


--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[Dennis C. via CnC-List]

Still haven't gotten any more information on this.

Dennis C.

On Sun, Jul 2, 2023 at 2:19 PM Dennis C. via CnC-List 
wrote:

> This is strange.  I was chatting with a friend who is looking for a larger
> boat (power).  He said a couple of insurance representatives and a
> knowledgeable broker told him he could not get insurance for a boat more
> than 15 feet longer than his existing boat unless he has a master's
> license.  Anybody else heard that?
>
> Can't seem to find an answer on the internet.  And how does one buy a
> first boat if it's long?
>
> He's okay because he is only moving from 23 feet to 37 feet.  He has taken
> the Power Squadron course and said that didn't matter.
>
> --
> Dennis C.
> Touche' 35-1 #83
> Mandeville, LA
> Please show your appreciation for this list and the Photo Album site and
> help me pay the associated bills.  Make a contribution at:
> https://www.paypal.me/stumurray
> Thanks for your help.
> Stu



-- 
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance for larger boat - 15 foot increase maximum?

[Matt Wolford via CnC-List]

I haven’t heard of that, but a friend of mine who bought a slightly used Sabre 
48 powerboat could not get insurance unless he has a licensed captain on board 
every time he goes out for three years.  After three years (even if the boat 
sits at the dock the entire time), he will be deemed worthy to captain his own 
boat.

 

From: Dennis C. via CnC-List  
Sent: Sunday, July 2, 2023 3:18 PM
To: CnClist 
Cc: Dennis C. 
Subject: Stus-List Insurance for larger boat - 15 foot increase maximum?

 

This is strange.  I was chatting with a friend who is looking for a larger boat 
(power).  He said a couple of insurance representatives and a knowledgeable 
broker told him he could not get insurance for a boat more than 15 feet longer 
than his existing boat unless he has a master's license.  Anybody else heard 
that?

 

Can't seem to find an answer on the internet.  And how does one buy a first 
boat if it's long?

 

He's okay because he is only moving from 23 feet to 37 feet.  He has taken the 
Power Squadron course and said that didn't matter.


 

-- 

Dennis C.

Touche' 35-1 #83

Mandeville, LA

Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance - again

[David Risch via CnC-List]

How do you sink a Hinkley?

From: Danny Haughey via CnC-List 
Sent: Tuesday, January 3, 2023 11:01 AM
To: Stus-List 
Cc: djhaug...@juno.com
Subject: Stus-List Re: Insurance - again

Kind of a side note to this.  An owner of the company he works for bought a 
completely renovated Hinkley 60 in Florida.  He left Florida in it to bring it 
back to New England and it sank 100 miles off shore.   Insurance said he 
shouldn't have been more that 40 miles of shore and they aren't covering the 
loss.   I saw the listing for the boat and the coat guard coverage of the 
rescue.  The boat listed fur just under $1,000,000!

They are fighting it.   As was already stated, read the policy (and replace 
your standing rigging!).

Danny

On Jan 3, 2023 10:32 AM, Joel Aronson via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
Happy New Year!

I've been looking for insurance to cover our boat in the Caribbean and Med.

READ THE POLICY BEFORE YOU BUY!

I got what I thought was a good quote through a British broker until I read 
that the value of the mast decreased by 5% per year - i.e. a 20 year old mast 
was not insured.

Joel
Rule One Hylas 49
Former owner The Office C&C 35/3

Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance - again

[Korbey Hunt via CnC-List]

I decided to self insure my 1980 34 C&C.  I have a liability only policy.  Very 
reasonable

Get Outlook for Android

From: Joel Aronson via CnC-List 
Sent: Tuesday, January 3, 2023 8:32:28 AM
To: cnc-list 
Cc: Joel Aronson 
Subject: Stus-List Insurance - again

Happy New Year!

I've been looking for insurance to cover our boat in the Caribbean and Med.

READ THE POLICY BEFORE YOU BUY!

I got what I thought was a good quote through a British broker until I read 
that the value of the mast decreased by 5% per year - i.e. a 20 year old mast 
was not insured.

Joel
Rule One Hylas 49
Former owner The Office C&C 35/3

Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance - again

[Joel Delamirande via CnC-List]

Poor hinkley
On Tue, Jan 3, 2023 at 11:02 AM Danny Haughey via CnC-List <
cnc-list@cnc-list.com> wrote:

> Kind of a side note to this.  An owner of the company he works for bought
> a completely renovated Hinkley 60 in Florida.  He left Florida in it to
> bring it back to New England and it sank 100 miles off shore.   Insurance
> said he shouldn't have been more that 40 miles of shore and they aren't
> covering the loss.   I saw the listing for the boat and the coat guard
> coverage of the rescue.  The boat listed fur just under $1,000,000!
>
> They are fighting it.   As was already stated, read the policy (and
> replace your standing rigging!).
>
> Danny
>
> On Jan 3, 2023 10:32 AM, Joel Aronson via CnC-List 
> wrote:
>
> Happy New Year!
>
> I've been looking for insurance to cover our boat in the Caribbean and Med.
>
> READ THE POLICY BEFORE YOU BUY!
>
> I got what I thought was a good quote through a British broker until I
> read that the value of the mast decreased by 5% per year - i.e. a 20 year
> old mast was not insured.
>
> Joel
> Rule One Hylas 49
> Former owner The Office C&C 35/3
>
>
> Please show your appreciation for this list and the Photo Album site and
> help me pay the associated bills.  Make a contribution at:
> https://www.paypal.me/stumurray
> Thanks for your help.
> Stu

-- 
Joel Delamirande
*www.jdroofing.ca *
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance - again

[Danny Haughey via CnC-List]

Kind of a side note to this.  An owner of the company he works for bought a completely renovated Hinkley 60 in Florida.  He left Florida in it to bring it back to New England and it sank 100 miles off shore.   Insurance said he shouldn't have been more that 40 miles of shore and they aren't covering the loss.   I saw the listing for the boat and the coat guard coverage of the rescue.  The boat listed fur just under $1,000,000!They are fighting it.   As was already stated, read the policy (and replace your standing rigging!).DannyOn Jan 3, 2023 10:32 AM, Joel Aronson via CnC-List  wrote:Happy New Year!I've been looking for insurance to cover our boat in the Caribbean and Med.READ THE POLICY BEFORE YOU BUY!I got what I thought was a good quote through a British broker until I read that the value of the mast decreased by 5% per year - i.e. a 20 year old mast was not insured.  JoelRule One Hylas 49Former owner The Office C&C 35/3  
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance - again

[Bob Mann via CnC-List]

I'm in the process of getting quotes for my '71 C&C35.  One company will insure 
the hull to agreed value but not the rigging unless I get a rigging inspection.

Bob Mann
Mystic
Detroit, MI

> On 01/03/2023 10:43 AM ALAN BERGEN via CnC-List  
> wrote:
> 
> 
> Spars and rigging are usually depreciated 5% per year, but if the boat is 
> totaled, the boat, spars and rigging are covered for whatever hull insurance 
> coverage you have - no depreciation.
> 
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
> 
> 
> 
> On Tue, Jan 3, 2023 at 7:33 AM Joel Aronson via CnC-List 
> mailto:cnc-list@cnc-list.com > wrote:
> 
> > > Happy New Year!
> > 
> > I've been looking for insurance to cover our boat in the Caribbean 
> > and Med.
> > 
> > READ THE POLICY BEFORE YOU BUY!
> > 
> > I got what I thought was a good quote through a British broker 
> > until I read that the value of the mast decreased by 5% per year - i.e. a 
> > 20 year old mast was not insured.  
> > 
> > Joel
> > Rule One Hylas 49
> > Former owner The Office C&C 35/3  
> > 
> > Please show your appreciation for this list and the Photo Album 
> > site and help me pay the associated bills.  Make a contribution at:
> > 
> > https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!swyHP5xr3SGkxmGXm7UfM-MwKjn7k8oGTWL1e8YejiJIo7nVsPnaSgodbprO6ZGQX8viYNdEeuvRVwusa5dLORo$
> > Thanks for your help.
> > Stu
> > 
> > > Please show your appreciation for this list and the Photo Album 
> > site and help me pay the associated bills. Make a contribution at:
> https://www.paypal.me/stumurray
> Thanks for your help.
> Stu
> 
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance - again

[ALAN BERGEN via CnC-List]

Spars and rigging are usually depreciated 5% per year, but if the boat is
totaled, the boat, spars and rigging are covered for whatever hull
insurance coverage you have - no depreciation.

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



On Tue, Jan 3, 2023 at 7:33 AM Joel Aronson via CnC-List <
cnc-list@cnc-list.com> wrote:

> Happy New Year!
>
> I've been looking for insurance to cover our boat in the Caribbean and Med.
>
> READ THE POLICY BEFORE YOU BUY!
>
> I got what I thought was a good quote through a British broker until I
> read that the value of the mast decreased by 5% per year - i.e. a 20 year
> old mast was not insured.
>
> Joel
> Rule One Hylas 49
> Former owner The Office C&C 35/3
>
> Please show your appreciation for this list and the Photo Album site and
> help me pay the associated bills.  Make a contribution at:
>
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!swyHP5xr3SGkxmGXm7UfM-MwKjn7k8oGTWL1e8YejiJIo7nVsPnaSgodbprO6ZGQX8viYNdEeuvRVwusa5dLORo$
> Thanks for your help.
> Stu
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Re: Insurance on boat in abc islands or Grenada ?

[Marek Dziedzic via CnC-List]

+1 on them. I am using them for about 15 years

Marek
Ottawa, ON

From: John Heaton via CnC-List 
Sent: Thursday, November 24, 2022 7:05 PM
To: Stus-List 
Cc: John Heaton 
Subject: Stus-List Re: Insurance on boat in abc islands or Grenada ?

Used them for 20+ years. They are sailors.

https://skippersplan.com<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fskippersplan.com%2F&data=05%7C01%7C%7C9fc9f2ccb68a4a709bff08dace78d1e4%7C84df9e7fe9f640afb435%7C1%7C0%7C638049315581726543%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=qioO7rX7nnj7qT8Z1CikYCkdMqSQWgRO6LvFs0Jelxw%3D&reserved=0>


On Thu, Nov 24, 2022 at 5:02 PM Dave S via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
Hi all, looking to purchase my next boat and am wondering if someone can 
recommend an insurer?   I am in Canada, the boat would be either on the hard or 
a mooring in a warm place
Thanks!

Dave 33-2 windstar

Sent from my iPhone
Don't forget to show your appreciation and help pay the bills.  Make a 
contribution at:
https://www.paypal.me/stumurray<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.paypal.me%2Fstumurray&data=05%7C01%7C%7C9fc9f2ccb68a4a709bff08dace78d1e4%7C84df9e7fe9f640afb435%7C1%7C0%7C638049315581726543%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=buzFT%2BV6Y%2Fhym%2F%2BKjmIPNJOx%2FNQ7VyTjdZAzext0E3o%3D&reserved=0>
Thanks for your help.
John Heaton
Don't forget to show your appreciation and help pay the bills.  Make a 
contribution at:
https://www.paypal.me/stumurray
Thanks for your help.

Stus-List Re: Insurance on boat in abc islands or Grenada ?

[John Heaton via CnC-List]

Used them for 20+ years. They are sailors.

https://skippersplan.com


On Thu, Nov 24, 2022 at 5:02 PM Dave S via CnC-List 
wrote:

> Hi all, looking to purchase my next boat and am wondering if someone can
> recommend an insurer?   I am in Canada, the boat would be either on the
> hard or a mooring in a warm place….
> Thanks!
>
> Dave 33-2 windstar
>
> Sent from my iPhone
> Don't forget to show your appreciation and help pay the bills.  Make a
> contribution at:
> https://www.paypal.me/stumurray
> Thanks for your help.
> John Heaton
Don't forget to show your appreciation and help pay the bills.  Make a 
contribution at:
https://www.paypal.me/stumurray
Thanks for your help.

Stus-List Re: Insurance... what is to much?

[Dennis C. via CnC-List]

Here's another perspective.  Property insurance and liability insurance are
two different scenarios.

I view liability insurance as protection for my assets and estate.
Liability claims are less frequent but can be enormous.  I carry a
significant amount of liability insurance.

Property insurance, to me, is more like gambling.  The amount of loss is
limited by the value of the property insured.  One can carry less or no
coverage and rationalize the reduced or saved premiums as a hedge against
the cost of damages.

Here's a real life example.  I live in Louisiana where flooding occurs
frequently.  When I bought my house in 1981, it was not in a flood zone.  I
cancelled the flood insurance on the house.  The premiums were about $250
annually.  After Hurricane Katrina in 2005, the flood maps were redrawn and
my house was just barely in the flood zone.  I continued to decline flood
insurance and the now $1200 annual premium.  A few years ago, the maps were
again redrawn and the annual premium increased to $2600!!

Our house flooded last year as a result of a freak "rain bomb" (12-15
inches in 3 hours!).  By this time, I estimated I had about $25K in flood
insurance premiums "in my pocket".  Although the Admiral and I spent quite
a bit more than $25 to rebuild the house, much of the cost was upgrades and
improvements that we had been talking about for years.  My guess is that
the real cost to repair only the flood damage (drywall, insulation,
flooring) was about a break even.  How much was 25 year old carpet worth,
anyway?  :)

In hindsight, would I do it again?  Yes.

This year, flood insurance premiums have again been recalculated.  My
premium, including contents, dropped to $680 from $2600.  It's now worth it.

Gamble on property, not liability.  I have several boating friends that
carry liability only on their boats.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

Stus-List Re: Insurance... what is to much?

[David Risch via CnC-List]

It is worth repeating, if your policy has a replacement depreciation schedule 
your screwed with an older boat (20% of replacement costs on my 1981 before I 
switched).

From: Brian Davis via CnC-List 
Sent: Tuesday, June 28, 2022 10:39 AM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?

A ton of really good input on this topic.  I sincerely appreciate and value all 
of it, as well as everyone on this list very much.  Thank you!

Best regards,
Brian

On Tue, Jun 28, 2022 at 10:35 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
IMHO, even though used boat values are currently low, the agreed upon value 
should be sufficient to replace the mast and related incidentals (boom, 
shrouds, any deck/hull damage) so the boat isn’t totaled in the event of a 
dismasting.  Although my boat’s in good condition with numerous upgrades, I 
don’t think I could get $50K for her.  Indeed, I paid less than that 10 years 
ago.

From: Brian Davis via CnC-List 
mailto:cnc-list@cnc-list.com>>
Sent: Tuesday, June 28, 2022 10:28 AM
To: Stus-List mailto:cnc-list@cnc-list.com>>
Cc: Brian Davis mailto:brianwdavis...@gmail.com>>
Subject: Stus-List Re: Insurance... what is to much?

I was unaware of this.  Really appreciate it.

On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.


--
Brian Davis
Brian W Davis Inc
(954) 892-1128

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

A ton of really good input on this topic.  I sincerely appreciate and value
all of it, as well as everyone on this list very much.  Thank you!

Best regards,
Brian

On Tue, Jun 28, 2022 at 10:35 AM Matthew via CnC-List 
wrote:

> IMHO, even though used boat values are currently low, the agreed upon
> value should be sufficient to replace the mast and related incidentals
> (boom, shrouds, any deck/hull damage) so the boat isn’t totaled in the
> event of a dismasting.  Although my boat’s in good condition with numerous
> upgrades, I don’t think I could get $50K for her.  Indeed, I paid less than
> that 10 years ago.
>
>
>
> *From:* Brian Davis via CnC-List 
> *Sent:* Tuesday, June 28, 2022 10:28 AM
> *To:* Stus-List 
> *Cc:* Brian Davis 
> *Subject:* Stus-List Re: Insurance... what is to much?
>
>
>
> I was unaware of this.  Really appreciate it.
>
>
>
> On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> Aside from premium increases, the problem with Geico policies – as this
> list exposed – is the annual reduction of part replacement cost for older
> boats until you hit the 20% floor.  As I understand the issue, if I lose my
> mast and the replacement is, say $30K, Geico will pay $6K.  That is totally
> unacceptable.
>
>

-- 
Brian Davis
Brian W Davis Inc
(954) 892-1128

Stus-List Re: Insurance... what is to much?

[Matthew via CnC-List]

IMHO, even though used boat values are currently low, the agreed upon value 
should be sufficient to replace the mast and related incidentals (boom, 
shrouds, any deck/hull damage) so the boat isn’t totaled in the event of a 
dismasting.  Although my boat’s in good condition with numerous upgrades, I 
don’t think I could get $50K for her.  Indeed, I paid less than that 10 years 
ago.

 

From: Brian Davis via CnC-List  
Sent: Tuesday, June 28, 2022 10:28 AM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?

 

I was unaware of this.  Really appreciate it.

 

On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List mailto:cnc-list@cnc-list.com> > wrote:

Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

I was unaware of this.  Really appreciate it.

On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List 
wrote:

> Aside from premium increases, the problem with Geico policies – as this
> list exposed – is the annual reduction of part replacement cost for older
> boats until you hit the 20% floor.  As I understand the issue, if I lose my
> mast and the replacement is, say $30K, Geico will pay $6K.  That is totally
> unacceptable.
>
>
>
> *From:* Brian Davis via CnC-List 
> *Sent:* Sunday, June 26, 2022 5:55 PM
> *To:* C&c Stus List 
> *Cc:* Brian Davis 
> *Subject:* Stus-List Insurance... what is to much?
>
>
>
> I have an insurance question for my fellow C&C'ers. My wife and I bought
> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
> since for an insured value of $30k with a vanishing deductible that is now
> zero. I have since restored her to about 95% and tracked all my receipts in
> a spreadsheet totalling $45k. We are very happy with the result and the
> only remaining 2 projects are a dodger/bimini and replacing the side plexi
> windows.
>
>
>
> I inquired with Geico Marine about increasing the coverage from $30k to
> $70k. I would first need to pay for a surveyor to inspect and write a
> report (I don't know how much this is). Then my rate would go from $1,759
> to $2,372 per year.
>
>
>
> I know this is a sliding scale based on the condition of each boat, and
> I'm cool with the money I've put into her so far since we love her. Nearly
> all of it is parts cost only because I am a skilled craftsman. Is $70k to
> much insurance, and is $2,372 to much to pay for it?
>
>
>
> Would appreciate any thoughts and advice.
>
>
>
> Regards,
>
> Brian
>


-- 
Brian Davis
Brian W Davis Inc
(954) 892-1128

Stus-List Re: Insurance... what is to much?

[Novabraid via CnC-List]

When I purchased my insurance for Half Magic (Landfall 35) I reached out to a 
fellow sailor who has been a life long insurance agent (and son of a noted boat 
builder) and asked if he’d secure insurance for my boat to cover a range 
possible needs.  At the time I was more concerned about who I would call in the 
event of significant loss (we get the occasional hurricane and tropical storm 
up in Buzzards Bay) and I recall when TS Irene came up the coast damaging a 
number of boats owned by friends, this agent was at the docks at 7am the 
morning after the storm, arranging for transportation and repairs for the boat 
owners that had notified him.  Great customer service and all bases were 
covered.

So when I reached out to him, I listened to the coverages he recommended and 
took his advice on upping some coverage for things that I hadn’t considered to 
be important.  Given the age of the boat (1983) there weren’t as many companies 
willing to insure Half Magic and all required an extensive survey prior to 
securing coverage.  I was fine with that.  My surveyor owned a Landfall 38 at 
the time and he found a few items that required attention all of which were 
addressed and reported to the insurance company to get it into compliance.  And 
the insurance group that wound up giving me coverage was Hagerty which is 
underwritten by Essentia Insurance.  Hagerty specializes in insuring boats and 
cars that fall into the ”vintage” category and seem to have a good grasp on the 
differences between insuring a 5 year old Sea Ray and a 40 year old C&C.  They 
keep up on boat values because that’s what they specialize in.

About a year ago, my agent let me know that it would be wise to up the coverage 
on my boat because of the increases in labor and parts that boatyards were 
charging, not wanting me to be under insured if something happened. Also that 
replacing my boat would be more expensive because there was a lack of 
inventory.   The increase in the premium was nominal and my coverage was upped 
to $30K with a 10% deductible.

So my advice is to not always shop for the cheapest coverage, but to seek out 
an insurance professional that understands what type of coverage you require to 
protect your asset and keep you on the water.  Insurance is a racket but it 
helps to have someone looking out for your best interests.

Chuck Gilchrest

S/V Half Magic

1983 Landfall 35

From: Matthew via CnC-List  
Sent: Tuesday, June 28, 2022 9:24 AM
To: 'Stus-List' 
Cc: Matthew 
Subject: Stus-List Re: Insurance... what is to much?

 

Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.

 

From: Brian Davis via CnC-List mailto:cnc-list@cnc-list.com> > 



 

Stus-List Re: Insurance... what is to much?

[Matthew via CnC-List]

Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.

 

From: Brian Davis via CnC-List  
Sent: Sunday, June 26, 2022 5:55 PM
To: C&c Stus List 
Cc: Brian Davis 
Subject: Stus-List Insurance... what is to much?

 

I have an insurance question for my fellow C&C'ers. My wife and I bought Nina 
(1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever since for 
an insured value of $30k with a vanishing deductible that is now zero. I have 
since restored her to about 95% and tracked all my receipts in a spreadsheet 
totalling $45k. We are very happy with the result and the only remaining 2 
projects are a dodger/bimini and replacing the side plexi windows. 

 

I inquired with Geico Marine about increasing the coverage from $30k to $70k. I 
would first need to pay for a surveyor to inspect and write a report (I don't 
know how much this is). Then my rate would go from $1,759 to $2,372 per year.

 

I know this is a sliding scale based on the condition of each boat, and I'm 
cool with the money I've put into her so far since we love her. Nearly all of 
it is parts cost only because I am a skilled craftsman. Is $70k to much 
insurance, and is $2,372 to much to pay for it?

 

Would appreciate any thoughts and advice.

 

Regards, 

Brian

Stus-List Re: Insurance... what is to much?

[Matthew via CnC-List]

FYI, I switched to Progressive about two years ago for my 42.  I went through 
an insurance broker and did not deal with Progressive directly.  Not a word 
about my boat being too long.

 

From: Rick Brass via CnC-List  
Sent: Monday, June 27, 2022 7:35 PM
To: Stus-List 
Cc: Rick Brass 
Subject: Stus-List Re: Insurance... what is to much?

 

Imzadi was insured with Progressive for 3 years. Then they would not renew the 
policy. They explained that their coverage standards were limited to boats 
under 35 feet. To which I took exception because they knew it was 38 feet when 
they wrote the insurance policy and renewed it during the 2 successive years.

 

Guess their software used for quoting new business has been improved.

 

Rick Brass

 Imzadi

C&C 38 #47

Washington, NC

Stus-List Re: Insurance... what is to much?

[Rick Brass via CnC-List]

Imzadi was insured with Progressive for 3 years. Then they would not renew the 
policy. They explained that their coverage standards were limited to boats 
under 35 feet. To which I took exception because they knew it was 38 feet when 
they wrote the insurance policy and renewed it during the 2 successive years.
 
Guess their software used for quoting new business has been improved.
 
Rick Brass
 Imzadi
C&C 38 #47
Washington, NC
-Original Message-
From: Stus-List 
Sent: Jun 26, 2022 6:28 PM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?
 
Thanks, Randy. I actually just checked online with Progressive and they 
rejected my quote request with this error message:  "vessel > 35 feet in length 
are unacceptable".  What the heck? Lol

On Sun, Jun 26, 2022, 6:16 PM randal johnston via CnC-List  wrote:
 ^

What he said. Was also with BoatUS forever, til they changed to Geico 
underwriting, then premiums went thru roof. Now with Progressive. Whichever way 
you go, if you’re racing, make sure you’re covered. Keep liability up there. 

randy
Tamanawas
29-II
Hood River, OR

> 

 

Stus-List Re: Insurance... what is to much?

[Hoyt, Mike via CnC-List]

Hi Brian

Had a conversation with a friend who has a Sabre 34 the other day about this.  
His comments were that replacement cost of a boat is the cost of a sistership 
in the same condition plus the transport fees to get it here.  Sure you can 
find one for a low price but then you have to spend the money to get  it back 
to the shape of the one you now have.  In fairness to you the replacement boat 
(in case of total loss) should already be in that condition.

For me that would mean a Frers 33 with newish sails, instruments, winches and 
gear upgraded in the past few years, interior in good condition, etc etc … plus 
the trucking costs to get it from likely Eartern US seaboard to Canada.

Regardless of all that get a survey for insurance purposes and it should have a 
fair valuation for the boat

Mike Hoyt
Persistence
Halifax, NS
www.hoytsailing.com



From: Brian Davis via CnC-List 
Sent: June 27, 2022 7:33 AM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?

Thank you Dennis!

On Sun, Jun 26, 2022, 8:13 PM Dennis C. via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I'm going through this right now.  I got a letter from my insurance company 
questioning my "agreed value".  Years ago I got a condition and value survey 
for Touche' (1971 35-1) for $40K.  That's what I had it insured for.

The letter said the "most recent used boat price guide lists the current market 
value between $15,300 and $17,300".  I don't disagree that many sisterboats 
without upgrades and refurbishments on Yachtworld are priced in that range.  As 
always, value depends on market and condition.

Okay, $40K is a bit high.  I asked if my policy was truly an "agreed value" 
policy.  They said no.  One can insure a boat for way more than it's worth but 
I doubt the insurance provider would happily write a check for that amount.

Now what?  If the boat is physically damaged but largely intact, they will pay 
to fix it or total it based on the repair vendor's estimate.  The adjuster can 
look at the boat and hopefully see that it is in much better condition than the 
ones currently on the market.  I will show the adjuster the differences and all 
the upgrades and hope that the adjuster agrees with me.

Now what happens if the boat burns and is completely destroyed with nothing 
remaining for the adjuster to look at?  I plan on taking lots of pictures and 
arguing with the adjuster.

Bottom line, I reduced the coverage to $30K.  On a positive note, both my 
premium and my deductible dropped.  The deductible is a percent of the covered 
value.  I see this as a positive.  Most likely, any claim will be to repair 
damages much less than the covered value.  The lower deductible works in my 
favor.

The real value of insurance is in the liability coverage.  That's where the 
potential for big dollar claims lies.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

Stus-List Re: Insurance... what is to much?

[Dennis C. via CnC-List]

My insurance is with USAA.  First purchased in 1999, my policy is actually
underwritten by USAA.  Newer USAA boat policies are underwritten by
Progressive and are, IMO, not as good as my USAA underwritten policy.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

On Mon, Jun 27, 2022 at 12:12 AM ALAN BERGEN via CnC-List <
cnc-list@cnc-list.com> wrote:

> Call Progressive directly. They insured my boat.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
>
>
> On Sun, Jun 26, 2022 at 5:13 PM Dennis C. via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I'm going through this right now.  I got a letter from my insurance
>> company questioning my "agreed value".  Years ago I got a condition and
>> value survey for Touche' (1971 35-1) for $40K.  That's what I had it
>> insured for.
>>
>> The letter said the "most recent used boat price guide lists the current
>> market value between $15,300 and $17,300".  I don't disagree that
>> many sisterboats without upgrades and refurbishments on Yachtworld are
>> priced in that range.  As always, value depends on market and condition.
>>
>> Okay, $40K is a bit high.  I asked if my policy was truly an "agreed
>> value" policy.  They said no.  One can insure a boat for way more than it's
>> worth but I doubt the insurance provider would happily write a check for
>> that amount.
>>
>> Now what?  If the boat is physically damaged but largely intact,
>> they will pay to fix it or total it based on the repair vendor's estimate.
>> The adjuster can look at the boat and hopefully see that it is in much
>> better condition than the ones currently on the market.  I will show the
>> adjuster the differences and all the upgrades and hope that the adjuster
>> agrees with me.
>>
>> Now what happens if the boat burns and is completely destroyed
>> with nothing remaining for the adjuster to look at?  I plan on taking lots
>> of pictures and arguing with the adjuster.
>>
>> Bottom line, I reduced the coverage to $30K.  On a positive note, both my
>> premium and my deductible dropped.  The deductible is a percent of the
>> covered value.  I see this as a positive.  Most likely, any claim will be
>> to repair damages much less than the covered value.  The lower deductible
>> works in my favor.
>>
>> The real value of insurance is in the liability coverage.  That's where
>> the potential for big dollar claims lies.
>>
>> --
>> Dennis C.
>> Touche' 35-1 #83
>> Mandeville, LA
>>
>>
>>

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

Thank you Dennis!

On Sun, Jun 26, 2022, 8:13 PM Dennis C. via CnC-List 
wrote:

> I'm going through this right now.  I got a letter from my insurance
> company questioning my "agreed value".  Years ago I got a condition and
> value survey for Touche' (1971 35-1) for $40K.  That's what I had it
> insured for.
>
> The letter said the "most recent used boat price guide lists the current
> market value between $15,300 and $17,300".  I don't disagree that
> many sisterboats without upgrades and refurbishments on Yachtworld are
> priced in that range.  As always, value depends on market and condition.
>
> Okay, $40K is a bit high.  I asked if my policy was truly an "agreed
> value" policy.  They said no.  One can insure a boat for way more than it's
> worth but I doubt the insurance provider would happily write a check for
> that amount.
>
> Now what?  If the boat is physically damaged but largely intact, they will
> pay to fix it or total it based on the repair vendor's estimate.  The
> adjuster can look at the boat and hopefully see that it is in much better
> condition than the ones currently on the market.  I will show the adjuster
> the differences and all the upgrades and hope that the adjuster agrees with
> me.
>
> Now what happens if the boat burns and is completely destroyed
> with nothing remaining for the adjuster to look at?  I plan on taking lots
> of pictures and arguing with the adjuster.
>
> Bottom line, I reduced the coverage to $30K.  On a positive note, both my
> premium and my deductible dropped.  The deductible is a percent of the
> covered value.  I see this as a positive.  Most likely, any claim will be
> to repair damages much less than the covered value.  The lower deductible
> works in my favor.
>
> The real value of insurance is in the liability coverage.  That's where
> the potential for big dollar claims lies.
>
> --
> Dennis C.
> Touche' 35-1 #83
> Mandeville, LA
>
> On Sun, Jun 26, 2022 at 4:55 PM Brian Davis via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I have an insurance question for my fellow C&C'ers. My wife and I bought
>> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
>> since for an insured value of $30k with a vanishing deductible that is now
>> zero. I have since restored her to about 95% and tracked all my receipts in
>> a spreadsheet totalling $45k. We are very happy with the result and the
>> only remaining 2 projects are a dodger/bimini and replacing the side plexi
>> windows.
>>
>> I inquired with Geico Marine about increasing the coverage from $30k to
>> $70k. I would first need to pay for a surveyor to inspect and write a
>> report (I don't know how much this is). Then my rate would go from $1,759
>> to $2,372 per year.
>>
>> I know this is a sliding scale based on the condition of each boat, and
>> I'm cool with the money I've put into her so far since we love her. Nearly
>> all of it is parts cost only because I am a skilled craftsman. Is $70k to
>> much insurance, and is $2,372 to much to pay for it?
>>
>> Would appreciate any thoughts and advice.
>>
>> Regards,
>> Brian
>>
>
>
>

Stus-List Re: Insurance... what is to much?

[ALAN BERGEN via CnC-List]

Call Progressive directly. They insured my boat.

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



On Sun, Jun 26, 2022 at 5:13 PM Dennis C. via CnC-List <
cnc-list@cnc-list.com> wrote:

> I'm going through this right now.  I got a letter from my insurance
> company questioning my "agreed value".  Years ago I got a condition and
> value survey for Touche' (1971 35-1) for $40K.  That's what I had it
> insured for.
>
> The letter said the "most recent used boat price guide lists the current
> market value between $15,300 and $17,300".  I don't disagree that
> many sisterboats without upgrades and refurbishments on Yachtworld are
> priced in that range.  As always, value depends on market and condition.
>
> Okay, $40K is a bit high.  I asked if my policy was truly an "agreed
> value" policy.  They said no.  One can insure a boat for way more than it's
> worth but I doubt the insurance provider would happily write a check for
> that amount.
>
> Now what?  If the boat is physically damaged but largely intact, they will
> pay to fix it or total it based on the repair vendor's estimate.  The
> adjuster can look at the boat and hopefully see that it is in much better
> condition than the ones currently on the market.  I will show the adjuster
> the differences and all the upgrades and hope that the adjuster agrees with
> me.
>
> Now what happens if the boat burns and is completely destroyed
> with nothing remaining for the adjuster to look at?  I plan on taking lots
> of pictures and arguing with the adjuster.
>
> Bottom line, I reduced the coverage to $30K.  On a positive note, both my
> premium and my deductible dropped.  The deductible is a percent of the
> covered value.  I see this as a positive.  Most likely, any claim will be
> to repair damages much less than the covered value.  The lower deductible
> works in my favor.
>
> The real value of insurance is in the liability coverage.  That's where
> the potential for big dollar claims lies.
>
> --
> Dennis C.
> Touche' 35-1 #83
> Mandeville, LA
>
> On Sun, Jun 26, 2022 at 4:55 PM Brian Davis via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I have an insurance question for my fellow C&C'ers. My wife and I bought
>> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
>> since for an insured value of $30k with a vanishing deductible that is now
>> zero. I have since restored her to about 95% and tracked all my receipts in
>> a spreadsheet totalling $45k. We are very happy with the result and the
>> only remaining 2 projects are a dodger/bimini and replacing the side plexi
>> windows.
>>
>> I inquired with Geico Marine about increasing the coverage from $30k to
>> $70k. I would first need to pay for a surveyor to inspect and write a
>> report (I don't know how much this is). Then my rate would go from $1,759
>> to $2,372 per year.
>>
>> I know this is a sliding scale based on the condition of each boat, and
>> I'm cool with the money I've put into her so far since we love her. Nearly
>> all of it is parts cost only because I am a skilled craftsman. Is $70k to
>> much insurance, and is $2,372 to much to pay for it?
>>
>> Would appreciate any thoughts and advice.
>>
>> Regards,
>> Brian
>>
>
>
>

Stus-List Re: Insurance... what is to much?

[Dennis C. via CnC-List]

I'm going through this right now.  I got a letter from my insurance company
questioning my "agreed value".  Years ago I got a condition and value
survey for Touche' (1971 35-1) for $40K.  That's what I had it insured for.

The letter said the "most recent used boat price guide lists the current
market value between $15,300 and $17,300".  I don't disagree that
many sisterboats without upgrades and refurbishments on Yachtworld are
priced in that range.  As always, value depends on market and condition.

Okay, $40K is a bit high.  I asked if my policy was truly an "agreed value"
policy.  They said no.  One can insure a boat for way more than it's worth
but I doubt the insurance provider would happily write a check for that
amount.

Now what?  If the boat is physically damaged but largely intact, they will
pay to fix it or total it based on the repair vendor's estimate.  The
adjuster can look at the boat and hopefully see that it is in much better
condition than the ones currently on the market.  I will show the adjuster
the differences and all the upgrades and hope that the adjuster agrees with
me.

Now what happens if the boat burns and is completely destroyed with nothing
remaining for the adjuster to look at?  I plan on taking lots of pictures
and arguing with the adjuster.

Bottom line, I reduced the coverage to $30K.  On a positive note, both my
premium and my deductible dropped.  The deductible is a percent of the
covered value.  I see this as a positive.  Most likely, any claim will be
to repair damages much less than the covered value.  The lower deductible
works in my favor.

The real value of insurance is in the liability coverage.  That's where the
potential for big dollar claims lies.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

On Sun, Jun 26, 2022 at 4:55 PM Brian Davis via CnC-List <
cnc-list@cnc-list.com> wrote:

> I have an insurance question for my fellow C&C'ers. My wife and I bought
> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
> since for an insured value of $30k with a vanishing deductible that is now
> zero. I have since restored her to about 95% and tracked all my receipts in
> a spreadsheet totalling $45k. We are very happy with the result and the
> only remaining 2 projects are a dodger/bimini and replacing the side plexi
> windows.
>
> I inquired with Geico Marine about increasing the coverage from $30k to
> $70k. I would first need to pay for a surveyor to inspect and write a
> report (I don't know how much this is). Then my rate would go from $1,759
> to $2,372 per year.
>
> I know this is a sliding scale based on the condition of each boat, and
> I'm cool with the money I've put into her so far since we love her. Nearly
> all of it is parts cost only because I am a skilled craftsman. Is $70k to
> much insurance, and is $2,372 to much to pay for it?
>
> Would appreciate any thoughts and advice.
>
> Regards,
> Brian
>

Stus-List Re: Insurance... what is to much?

[Neil Andersen via CnC-List]

Surveyors here on the Chesapeake Bay run $30-$35 per foot

Neil Andersen, W3NEA
Rock Hall, MD 21661
484-354-8800

From: Brian Davis via CnC-List 
Sent: Sunday, June 26, 2022 6:27:30 PM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?

Thanks, Randy. I actually just checked online with Progressive and they 
rejected my quote request with this error message:  "vessel > 35 feet in length 
are unacceptable".  What the heck? Lol

On Sun, Jun 26, 2022, 6:16 PM randal johnston via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
 ^

What he said. Was also with BoatUS forever, til they changed to Geico 
underwriting, then premiums went thru roof. Now with Progressive. Whichever way 
you go, if you’re racing, make sure you’re covered. Keep liability up there.

randy
Tamanawas
29-II
Hood River, OR

>

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

Thanks, Randy. I actually just checked online with Progressive and they
rejected my quote request with this error message:  "vessel > 35 feet in
length are unacceptable".  What the heck? Lol

On Sun, Jun 26, 2022, 6:16 PM randal johnston via CnC-List <
cnc-list@cnc-list.com> wrote:

>  ^
>
> What he said. Was also with BoatUS forever, til they changed to Geico
> underwriting, then premiums went thru roof. Now with Progressive. Whichever
> way you go, if you’re racing, make sure you’re covered. Keep liability up
> there.
>
> randy
> Tamanawas
> 29-II
> Hood River, OR
>
> >
>

Stus-List Re: Insurance... what is to much?

[randal johnston via CnC-List]

 ^
  
What he said. Was also with BoatUS forever, til they changed to Geico 
underwriting, then premiums went thru roof. Now with Progressive. Whichever way 
you go, if you’re racing, make sure you’re covered. Keep liability up there. 

randy
Tamanawas
29-II
Hood River, OR

> 

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

Thanks, Alan. I appreciate the good advice. I don't expect to get what I
put into her. I just want to be thoughtful on how I insure her. 👍

On Sun, Jun 26, 2022, 6:10 PM ALAN BERGEN via CnC-List <
cnc-list@cnc-list.com> wrote:

> See what other boats like yours are selling for on Yachtworld.com to give
> you a better idea of what to insure her for. Also get a quote from
> Progressive. I had insurance through BoatUS for decades, but a quote from
> Progressive was less than half of what GEICO wanted. Don't skimp on
> liability insurance. That will cover you if youy damage someone else's
> property, and it's cheaper hthat hull insurance. Things like spars and
> sails are depreciated, unless the boat is totaled. $70k does sound high to
> me. Don't expect to get back what you put into her.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
>
>
> On Sun, Jun 26, 2022 at 2:55 PM Brian Davis via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I have an insurance question for my fellow C&C'ers. My wife and I bought
>> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
>> since for an insured value of $30k with a vanishing deductible that is now
>> zero. I have since restored her to about 95% and tracked all my receipts in
>> a spreadsheet totalling $45k. We are very happy with the result and the
>> only remaining 2 projects are a dodger/bimini and replacing the side plexi
>> windows.
>>
>> I inquired with Geico Marine about increasing the coverage from $30k to
>> $70k. I would first need to pay for a surveyor to inspect and write a
>> report (I don't know how much this is). Then my rate would go from $1,759
>> to $2,372 per year.
>>
>> I know this is a sliding scale based on the condition of each boat, and
>> I'm cool with the money I've put into her so far since we love her. Nearly
>> all of it is parts cost only because I am a skilled craftsman. Is $70k to
>> much insurance, and is $2,372 to much to pay for it?
>>
>> Would appreciate any thoughts and advice.
>>
>> Regards,
>> Brian
>>
>

Stus-List Re: Insurance... what is to much?

[ALAN BERGEN via CnC-List]

See what other boats like yours are selling for on Yachtworld.com to give
you a better idea of what to insure her for. Also get a quote from
Progressive. I had insurance through BoatUS for decades, but a quote from
Progressive was less than half of what GEICO wanted. Don't skimp on
liability insurance. That will cover you if youy damage someone else's
property, and it's cheaper hthat hull insurance. Things like spars and
sails are depreciated, unless the boat is totaled. $70k does sound high to
me. Don't expect to get back what you put into her.

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



On Sun, Jun 26, 2022 at 2:55 PM Brian Davis via CnC-List <
cnc-list@cnc-list.com> wrote:

> I have an insurance question for my fellow C&C'ers. My wife and I bought
> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
> since for an insured value of $30k with a vanishing deductible that is now
> zero. I have since restored her to about 95% and tracked all my receipts in
> a spreadsheet totalling $45k. We are very happy with the result and the
> only remaining 2 projects are a dodger/bimini and replacing the side plexi
> windows.
>
> I inquired with Geico Marine about increasing the coverage from $30k to
> $70k. I would first need to pay for a surveyor to inspect and write a
> report (I don't know how much this is). Then my rate would go from $1,759
> to $2,372 per year.
>
> I know this is a sliding scale based on the condition of each boat, and
> I'm cool with the money I've put into her so far since we love her. Nearly
> all of it is parts cost only because I am a skilled craftsman. Is $70k to
> much insurance, and is $2,372 to much to pay for it?
>
> Would appreciate any thoughts and advice.
>
> Regards,
> Brian
>

Stus-List Re: Insurance…add international races with paid crew

[dwight veinot via CnC-List]

Correct

On Fri, Oct 22, 2021 at 12:13 PM ALAN BERGEN via CnC-List <
cnc-list@cnc-list.com> wrote:

> Does anyone on the list really sail with paid crew? When I could no longer
> afford the cost of racing between Astoria, Oregon and Victoria, BC (Oregon
> Offshore Race, now called the Pacific Northwest Offshore Race), I asked my
> crew to chip in one hundred dollars each. They felt one hundred wasn't
> enough, and they paid me two hundred each. They also provided all the food
> and paid for their own transportation home after the race. I paid the race
> entry fee and everything else (fuel, moorage, liferaft servicing, etc.)
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
>
>
> On Fri, Oct 22, 2021 at 5:37 AM Della Barba, Joe via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I am sure plenty of people “forget” to mention the paid crew, but if you
>> want coverage you’ll need to talk to the people that insure all the big
>> yachts with paid crew. There is a lot that goes into proper coverage of
>> crew that would be unfamiliar to companies more used to insuring ski boats
>> on a lake. It is essentially a specialized form of workmen’s comp.
>>
>>
>>
>>
>>
>> Joe
>>
>> Coquina
>>
>>
>>
>> *From:* Pete Shelquist via CnC-List 
>> *Sent:* Thursday, October 21, 2021 11:35 AM
>> *To:* Stus-List 
>> *Cc:* Pete Shelquist 
>> *Subject:* [EXTERNAL] Stus-List Re: Insurance…add international races
>> with paid crew
>>
>>
>>
>> I’m rejuvenating this conversation and highlighting a specific need for a
>> friend of mine. They plan to race the boat internationally from Miami to
>> Nassau.  They also plan to have one or two paid crewmembers on board .
>>
>>
>>
>> Evidently that last sentence is a bit of a stickler for the carriers. I’m
>> curious if anyone on this list has come across this issue, or know someone
>> that has, and found a solution.
>>
>>
>>
>> Thank you
>>
>>
>>
>> Get Outlook for iOS
>> <https://urldefense.com/v3/__https://aka.ms/o0ukef__;!!LIr3w8kk_Xxm!7D5Fokm4rQ4WlFvaJajWV7EOktiV0903xelqBzh2XfYFKopm3966tEn7sKl5jMGGquo$>
>> Thanks to all of the subscribers that contributed to the list to help
>> with the costs involved.  If you want to show your support to the list -
>> use PayPal to send contribution --
>> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7D5Fokm4rQ4WlFvaJajWV7EOktiV0903xelqBzh2XfYFKopm3966tEn7sKl5L5-0uwU$
>>  Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu

-- 
Sent from Gmail Mobile
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance…add international races with paid crew

[ALAN BERGEN via CnC-List]

Does anyone on the list really sail with paid crew? When I could no longer
afford the cost of racing between Astoria, Oregon and Victoria, BC (Oregon
Offshore Race, now called the Pacific Northwest Offshore Race), I asked my
crew to chip in one hundred dollars each. They felt one hundred wasn't
enough, and they paid me two hundred each. They also provided all the food
and paid for their own transportation home after the race. I paid the race
entry fee and everything else (fuel, moorage, liferaft servicing, etc.)

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



On Fri, Oct 22, 2021 at 5:37 AM Della Barba, Joe via CnC-List <
cnc-list@cnc-list.com> wrote:

> I am sure plenty of people “forget” to mention the paid crew, but if you
> want coverage you’ll need to talk to the people that insure all the big
> yachts with paid crew. There is a lot that goes into proper coverage of
> crew that would be unfamiliar to companies more used to insuring ski boats
> on a lake. It is essentially a specialized form of workmen’s comp.
>
>
>
>
>
> Joe
>
> Coquina
>
>
>
> *From:* Pete Shelquist via CnC-List 
> *Sent:* Thursday, October 21, 2021 11:35 AM
> *To:* Stus-List 
> *Cc:* Pete Shelquist 
> *Subject:* [EXTERNAL] Stus-List Re: Insurance…add international races
> with paid crew
>
>
>
> I’m rejuvenating this conversation and highlighting a specific need for a
> friend of mine. They plan to race the boat internationally from Miami to
> Nassau.  They also plan to have one or two paid crewmembers on board .
>
>
>
> Evidently that last sentence is a bit of a stickler for the carriers. I’m
> curious if anyone on this list has come across this issue, or know someone
> that has, and found a solution.
>
>
>
> Thank you
>
>
>
> Get Outlook for iOS
> <https://urldefense.com/v3/__https://aka.ms/o0ukef__;!!LIr3w8kk_Xxm!7D5Fokm4rQ4WlFvaJajWV7EOktiV0903xelqBzh2XfYFKopm3966tEn7sKl5jMGGquo$>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7D5Fokm4rQ4WlFvaJajWV7EOktiV0903xelqBzh2XfYFKopm3966tEn7sKl5L5-0uwU$
>  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance…add international races with paid crew

[Della Barba, Joe via CnC-List]

I am sure plenty of people “forget” to mention the paid crew, but if you want 
coverage you’ll need to talk to the people that insure all the big yachts with 
paid crew. There is a lot that goes into proper coverage of crew that would be 
unfamiliar to companies more used to insuring ski boats on a lake. It is 
essentially a specialized form of workmen’s comp.


Joe
Coquina

From: Pete Shelquist via CnC-List 
Sent: Thursday, October 21, 2021 11:35 AM
To: Stus-List 
Cc: Pete Shelquist 
Subject: [EXTERNAL] Stus-List Re: Insurance…add international races with paid 
crew

I’m rejuvenating this conversation and highlighting a specific need for a 
friend of mine. They plan to race the boat internationally from Miami to 
Nassau.  They also plan to have one or two paid crewmembers on board .


Evidently that last sentence is a bit of a stickler for the carriers. I’m 
curious if anyone on this list has come across this issue, or know someone that 
has, and found a solution.

Thank you

Get Outlook for iOS<https://aka.ms/o0ukef>
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance…add international races with paid crew

[Pete Shelquist via CnC-List]

  
  
  

	
	I’m rejuvenating this conversation and highlighting a specific need for a friend of mine. They plan to race the boat internationally from Miami to Nassau.  They also plan to have one or two paid crewmembers on board . Evidently that last sentence is a bit of a stickler for the carriers. I’m curious if anyone on this list has come across this issue, or know someone that has, and found a solution. Thank you
	Get Outlook for iOS

  

 From: Doug via CnC-List Sent: Thursday, October 14, 2021 15:03To: Stus-ListCc: DougSubject: Stus-List Re: Insurance One thing everyone should be aware of is most umbrella policies don't have the Oil pollution liability coverage. It is now up to $997000. This is standard in all marine/boat policies. At my club we are trying to require all policies to have this. This coverage limits what the USCG, DNR, or EPA can take from the insured for spill clean up. If you don't have this coverage these agencies will come in and take the full liability coverage of all involved. We had a fire a few years ago where the responsable party did not have this coverage. This left no money for the deductibles for replacing/repairing the other 5 boats and boathouse. The club also had to pay $25000 in deductible for damage to the dock. Because of this a couple of members had to get out of boating, being unable to afford the loss. FWIWDoug. Doug Mountjoy sv Rebecca Leah C & C Landfall 39Port Orchard Yacht Club Port Orchard, WA Original message From: Jim Reinardy via CnC-List  Date: 10/14/21  12:36  (GMT-08:00) To: Stus-List  Cc: Jim Reinardy  Subject: Stus-List Re: Insurance 



American Family has my cars, boats and house insured, and I also have an umbrella liability with them.  They require that you have car insurance with them to purchase the liability policy, but once you have it, it applies to everything.  It came up with a claim
 a few years ago, so I know it applies to boating.




Jim Reinardy

C&C 30-2 “Firewater”

Milwaukee, WI




Get Outlook for iOS


From: Joe Della Barba via CnC-List 
Sent: Thursday, October 14, 2021 12:57:10 PM
To: 'Stus-List' 
Cc: j...@dellabarba.com 
Subject: Stus-List Re: Insurance
 




All the umbrella policies I found with a quick search seem to be home and car, no mention of boats
☹
Be glad you aren’t looking for airplane insurance, the recent payouts on crashed 737s are getting paid for by EVERYONE, not just 737 owners.
 
Joe Della Barba
Coquina C&C 35 MK I
Kent Island MD USA
 
 
 

From: Dennis C. via CnC-List 

Sent: Thursday, October 14, 2021 9:32 AM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance

 


I suggest anyone reviewing their insurance coverages investigate an umbrella policy.  I have a significant umbrella policy that will kick in in the event the coverage on any of my individual policies is exceeded.  


 


One caveat for umbrella policies is they are usually cheaper if you have all your policies with one carrier.


 


--


Dennis C.

Touche' 35-1 #83


Mandeville, LA




 


On Thu, Oct 14, 2021 at 8:23 AM Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:




Great news 
😊
My marina requires $500K liability this year, so when I added it I didn’t realize I was propagating it across all three of my policies. I now have what I think is the only dinghy in the world with half a million dollars of insurance.
For all three boats it added up to $84/year extra. The dinghy is also insured for 75 miles offshore, which would be quite the trip!
 
Joe
Coquina C&C 35 MK I
 





 

 





Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[David Risch via CnC-List]

Ding Ding

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


From: Korbey Hunt via CnC-List 
Sent: Friday, October 15, 2021 1:52:22 PM
To: Stus-List 
Cc: Korbey Hunt 
Subject: Stus-List Re: Insurance

Boat US went in the tank when it was bought by Geico.

Get Outlook for 
Android<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Faka.ms%2FAAb9ysg&data=04%7C01%7C%7C7ec89c0519d749c7c16008d99004967e%7C84df9e7fe9f640afb435%7C1%7C0%7C637699171649116535%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=AVTevOYAPYL6wn7orFo%2FwhbCx6jIn48bO0TLsrwvYts%3D&reserved=0>

From: Dennis C. via CnC-List 
Sent: Friday, October 15, 2021 10:18:16 AM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance

Exactly.  If you don't have salvage coverage, you can get royally screwed.  
Happened to a buddy of mine last year in Hurricane Sally.

His boat was moored at Barber Marine on the ICW at Orange Beach, AL.  You'd 
think it was fairly protected.  No.  The wind was such that there was a lot of 
fetch and consequently significant wave action.  The marina was essentially 
destroyed.  He managed to visit a day or two after the storm and saw his boat 
afloat and not in bad shape.  He tried to visit a second time a few days later 
and was denied entry.  Meanwhile, according to him, a powerboat somehow damaged 
his sailboat enough to sink it.  He was in the process of arranging for a 
salvor to raise it when he was informed by the marina that they had raised it 
and presented him with a bill around $20,000.

He had to hire a marine lawyer to negotiate a settlement with the marina 
somewhat less than $20K.  He ended up with a much reduced settlement on the 
boat after the salvage cost was subtracted.  Ugly situation.

I have salvage coverage.  Here's the applicable clause from Touche's policy:

"We will also pay necessary salvage charges. This is an additional amount of 
insurance. But it will not exceed the amount stated on the Declarations Page 
for Section l."

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA


On Fri, Oct 15, 2021 at 8:40 AM Della Barba, Joe via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:

Another thing to check is salvage vs. repair coverage. If you just have say 
$50K of hull insurance with no salvage, if it takes $25K to salvage the boat 
you now have $25Kleft to fix the boat. For a difficult salvage and an old boat 
you could easily end up with nothing left.

BOATUS used to have superb coverage and the claim I had with them was handled 
over the phone, they said just have the yard fax the bill over when they are 
done. At some point they went from the best to the worst, for old boats they 
are essentially just liability now. My hope now is that Progressive doesn’t get 
nailed with a huge hurricane loss and double their rates. Speaking of, I have 3 
policies with them, one for Coquina, one for the dinghy, and one for the 
Whaler. There was some deal where the dinghy could be included with the mother 
ship, but I heard it was better not to do this because of something with the 
deductible.  I can’t recall the details, but the cost for the two small boats 
is maybe $200 or so per year for both of them.





Joe Della Barba

Coquina

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://www.paypal.me/stumurray<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.paypal.me%2Fstumurray&data=04%7C01%7C%7C7ec89c0519d749c7c16008d99004967e%7C84df9e7fe9f640afb435%7C1%7C0%7C637699171649126530%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=fAsr4xAdwC%2FHY7DFj6m52G9BaJVctX%2F1dKaIHHD97OM%3D&reserved=0>
  Thanks - Stu


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Korbey Hunt via CnC-List]

Boat US went in the tank when it was bought by Geico.

Get Outlook for Android<https://aka.ms/AAb9ysg>

From: Dennis C. via CnC-List 
Sent: Friday, October 15, 2021 10:18:16 AM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance

Exactly.  If you don't have salvage coverage, you can get royally screwed.  
Happened to a buddy of mine last year in Hurricane Sally.

His boat was moored at Barber Marine on the ICW at Orange Beach, AL.  You'd 
think it was fairly protected.  No.  The wind was such that there was a lot of 
fetch and consequently significant wave action.  The marina was essentially 
destroyed.  He managed to visit a day or two after the storm and saw his boat 
afloat and not in bad shape.  He tried to visit a second time a few days later 
and was denied entry.  Meanwhile, according to him, a powerboat somehow damaged 
his sailboat enough to sink it.  He was in the process of arranging for a 
salvor to raise it when he was informed by the marina that they had raised it 
and presented him with a bill around $20,000.

He had to hire a marine lawyer to negotiate a settlement with the marina 
somewhat less than $20K.  He ended up with a much reduced settlement on the 
boat after the salvage cost was subtracted.  Ugly situation.

I have salvage coverage.  Here's the applicable clause from Touche's policy:

"We will also pay necessary salvage charges. This is an additional amount of 
insurance. But it will not exceed the amount stated on the Declarations Page 
for Section l."

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA


On Fri, Oct 15, 2021 at 8:40 AM Della Barba, Joe via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:

Another thing to check is salvage vs. repair coverage. If you just have say 
$50K of hull insurance with no salvage, if it takes $25K to salvage the boat 
you now have $25Kleft to fix the boat. For a difficult salvage and an old boat 
you could easily end up with nothing left.

BOATUS used to have superb coverage and the claim I had with them was handled 
over the phone, they said just have the yard fax the bill over when they are 
done. At some point they went from the best to the worst, for old boats they 
are essentially just liability now. My hope now is that Progressive doesn’t get 
nailed with a huge hurricane loss and double their rates. Speaking of, I have 3 
policies with them, one for Coquina, one for the dinghy, and one for the 
Whaler. There was some deal where the dinghy could be included with the mother 
ship, but I heard it was better not to do this because of something with the 
deductible.  I can’t recall the details, but the cost for the two small boats 
is maybe $200 or so per year for both of them.





Joe Della Barba

Coquina

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://www.paypal.me/stumurray<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.paypal.me%2Fstumurray&data=04%7C01%7C%7C7002557d40bc4d4233f508d98fffe008%7C84df9e7fe9f640afb435%7C1%7C0%7C637699151406868889%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=N1Rwk7fgRAShuUEoePgAOwdMwSN0cOmJC1vHmRb4SKs%3D&reserved=0>
  Thanks - Stu


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Dennis C. via CnC-List]

Exactly.  If you don't have salvage coverage, you can get royally screwed.
Happened to a buddy of mine last year in Hurricane Sally.

His boat was moored at Barber Marine on the ICW at Orange Beach, AL.  You'd
think it was fairly protected.  No.  The wind was such that there was a lot
of fetch and consequently significant wave action.  The marina was
essentially destroyed.  He managed to visit a day or two after the storm
and saw his boat afloat and not in bad shape.  He tried to visit a second
time a few days later and was denied entry.  Meanwhile, according to him, a
powerboat somehow damaged his sailboat enough to sink it.  He was in the
process of arranging for a salvor to raise it when he was informed by the
marina that they had raised it and presented him with a bill around
$20,000.

He had to hire a marine lawyer to negotiate a settlement with the marina
somewhat less than $20K.  He ended up with a much reduced settlement on the
boat after the salvage cost was subtracted.  Ugly situation.

I have salvage coverage.  Here's the applicable clause from Touche's policy:

"We will also pay necessary salvage charges. This is an additional amount
of insurance. But it will not exceed the amount stated on the Declarations
Page for Section l."

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA


On Fri, Oct 15, 2021 at 8:40 AM Della Barba, Joe via CnC-List <
cnc-list@cnc-list.com> wrote:

> Another thing to check is salvage vs. repair coverage. If you just have
> say $50K of hull insurance with no salvage, if it takes $25K to salvage the
> boat you now have $25Kleft to fix the boat. For a difficult salvage and an
> old boat you could easily end up with nothing left.
>
> BOATUS used to have superb coverage and the claim I had with them was
> handled over the phone, they said just have the yard fax the bill over when
> they are done. At some point they went from the best to the worst, for old
> boats they are essentially just liability now. My hope now is that
> Progressive doesn’t get nailed with a huge hurricane loss and double their
> rates. Speaking of, I have 3 policies with them, one for Coquina, one for
> the dinghy, and one for the Whaler. There was some deal where the dinghy
> could be included with the mother ship, but I heard it was better not to do
> this because of something with the deductible.  I can’t recall the details,
> but the cost for the two small boats is maybe $200 or so per year for both
> of them.
>
>
>
>
>
> *Joe Della Barba*
>
> *Coquina*
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Matthew via CnC-List]

This issue came up when I moved from Travelers to Progressive this past spring. 
 I went through a local Erie Insurance agent, where I have home and car 
insurance.  When I realized how much Travelers had increased its premium over 
three years (without apparent justification), I called my Erie Insurance agent 
to see if Erie has gotten into boat insurance.  It still has not, but my agent 
brokered a deal with Progressive.  One of the policy differences between the 
Travelers and Progressive policies is Progressive’s lower amount of liability 
coverage.  My Erie agent advised this was of no consequence because of my 
umbrella policy with Erie.

 

Matt Wolford

C&C 42 Custom

Erie, PA 

 

From: Joe Della Barba via CnC-List  
Sent: Thursday, October 14, 2021 1:57 PM
To: 'Stus-List' 
Cc: j...@dellabarba.com
Subject: Stus-List Re: Insurance

 

All the umbrella policies I found with a quick search seem to be home and car, 
no mention of boats ☹

Be glad you aren’t looking for airplane insurance, the recent payouts on 
crashed 737s are getting paid for by EVERYONE, not just 737 owners.

 

Joe Della Barba

Coquina C&C 35 MK I

Kent Island MD USA

 

 

 

 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Neil Andersen via CnC-List]

It is went they went from CNA (great!) to GEICO (😝)

Neil Andersen
Rock Hall, MD 21661
484-354-8800

From: Della Barba, Joe via CnC-List 
Sent: Friday, October 15, 2021 9:40:07 AM
To: Stus-List 
Cc: Della Barba, Joe 
Subject: Stus-List Re: Insurance


Another thing to check is salvage vs. repair coverage. If you just have say 
$50K of hull insurance with no salvage, if it takes $25K to salvage the boat 
you now have $25Kleft to fix the boat. For a difficult salvage and an old boat 
you could easily end up with nothing left.

BOATUS used to have superb coverage and the claim I had with them was handled 
over the phone, they said just have the yard fax the bill over when they are 
done. At some point they went from the best to the worst, for old boats they 
are essentially just liability now. My hope now is that Progressive doesn’t get 
nailed with a huge hurricane loss and double their rates. Speaking of, I have 3 
policies with them, one for Coquina, one for the dinghy, and one for the 
Whaler. There was some deal where the dinghy could be included with the mother 
ship, but I heard it was better not to do this because of something with the 
deductible.  I can’t recall the details, but the cost for the two small boats 
is maybe $200 or so per year for both of them.





Joe Della Barba

Coquina
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Della Barba, Joe via CnC-List]

Another thing to check is salvage vs. repair coverage. If you just have say 
$50K of hull insurance with no salvage, if it takes $25K to salvage the boat 
you now have $25Kleft to fix the boat. For a difficult salvage and an old boat 
you could easily end up with nothing left.
BOATUS used to have superb coverage and the claim I had with them was handled 
over the phone, they said just have the yard fax the bill over when they are 
done. At some point they went from the best to the worst, for old boats they 
are essentially just liability now. My hope now is that Progressive doesn’t get 
nailed with a huge hurricane loss and double their rates. Speaking of, I have 3 
policies with them, one for Coquina, one for the dinghy, and one for the 
Whaler. There was some deal where the dinghy could be included with the mother 
ship, but I heard it was better not to do this because of something with the 
deductible.  I can’t recall the details, but the cost for the two small boats 
is maybe $200 or so per year for both of them.


Joe Della Barba
Coquina
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Doug via CnC-List]

One thing everyone should be aware of is most umbrella policies don't have the 
Oil pollution liability coverage. It is now up to $997000. This is standard in 
all marine/boat policies. At my club we are trying to require all policies to 
have this. This coverage limits what the USCG, DNR, or EPA can take from the 
insured for spill clean up. If you don't have this coverage these agencies will 
come in and take the full liability coverage of all involved. We had a fire a 
few years ago where the responsable party did not have this coverage. This left 
no money for the deductibles for replacing/repairing the other 5 boats and 
boathouse. The club also had to pay $25000 in deductible for damage to the 
dock. Because of this a couple of members had to get out of boating, being 
unable to afford the loss. FWIWDoug. Doug Mountjoy sv Rebecca Leah C & C 
Landfall 39Port Orchard Yacht Club Port Orchard, WA
 Original message From: Jim Reinardy via CnC-List 
 Date: 10/14/21  12:36  (GMT-08:00) To: Stus-List 
 Cc: Jim Reinardy  Subject: 
Stus-List Re: Insurance 



American Family has my cars, boats and house insured, and I also have an 
umbrella liability with them.  They require that you have car insurance with 
them to purchase the liability policy, but once you have it, it applies to 
everything.  It came up with a claim
 a few years ago, so I know it applies to boating.




Jim Reinardy

C&C 30-2 “Firewater”

Milwaukee, WI




Get Outlook for iOS


From: Joe Della Barba via CnC-List 
Sent: Thursday, October 14, 2021 12:57:10 PM
To: 'Stus-List' 
Cc: j...@dellabarba.com 
Subject: Stus-List Re: Insurance
 






All the umbrella policies I found with a quick search seem to be home and car, 
no mention of boats
☹
Be glad you aren’t looking for airplane insurance, the recent payouts on 
crashed 737s are getting paid for by EVERYONE, not just 737 owners.
 
Joe Della Barba
Coquina C&C 35 MK I
Kent Island MD USA
 
 
 

From: Dennis C. via CnC-List 

Sent: Thursday, October 14, 2021 9:32 AM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance

 


I suggest anyone reviewing their insurance coverages investigate an umbrella 
policy.  I have a significant umbrella policy that will kick in in the event 
the coverage on any of my individual policies is exceeded.  


 


One caveat for umbrella policies is they are usually cheaper if you have all 
your policies with one carrier.


 


--


Dennis C.

Touche' 35-1 #83


Mandeville, LA




 


On Thu, Oct 14, 2021 at 8:23 AM Della Barba, Joe via CnC-List 
 wrote:




Great news 
😊
My marina requires $500K liability this year, so when I added it I didn’t 
realize I was propagating it across all three of my policies. I now have what I 
think is the only dinghy in the world with half a million dollars of insurance.
For all three boats it added up to $84/year extra. The dinghy is also insured 
for 75 miles offshore, which would be quite the trip!
 
Joe
Coquina C&C 35 MK I
 





 

 





Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Jim Reinardy via CnC-List]

American Family has my cars, boats and house insured, and I also have an 
umbrella liability with them.  They require that you have car insurance with 
them to purchase the liability policy, but once you have it, it applies to 
everything.  It came up with a claim a few years ago, so I know it applies to 
boating.

Jim Reinardy
C&C 30-2 “Firewater”
Milwaukee, WI

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

From: Joe Della Barba via CnC-List 
Sent: Thursday, October 14, 2021 12:57:10 PM
To: 'Stus-List' 
Cc: j...@dellabarba.com 
Subject: Stus-List Re: Insurance


All the umbrella policies I found with a quick search seem to be home and car, 
no mention of boats ☹

Be glad you aren’t looking for airplane insurance, the recent payouts on 
crashed 737s are getting paid for by EVERYONE, not just 737 owners.



Joe Della Barba

Coquina C&C 35 MK I

Kent Island MD USA







From: Dennis C. via CnC-List 
Sent: Thursday, October 14, 2021 9:32 AM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance



I suggest anyone reviewing their insurance coverages investigate an umbrella 
policy.  I have a significant umbrella policy that will kick in in the event 
the coverage on any of my individual policies is exceeded.



One caveat for umbrella policies is they are usually cheaper if you have all 
your policies with one carrier.



--

Dennis C.

Touche' 35-1 #83

Mandeville, LA



On Thu, Oct 14, 2021 at 8:23 AM Della Barba, Joe via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:

Great news 😊
My marina requires $500K liability this year, so when I added it I didn’t 
realize I was propagating it across all three of my policies. I now have what I 
think is the only dinghy in the world with half a million dollars of insurance.

For all three boats it added up to $84/year extra. The dinghy is also insured 
for 75 miles offshore, which would be quite the trip!



Joe

Coquina C&C 35 MK I






Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Peter W. via CnC-List]

Umbrella policy that I have is essentially a “personal liability “ policy, 
covering any instance where I am at risk for damages.  It is not specific to a 
watercraft or land craft.
Pete W.

Sent from my iPhone

> On Oct 14, 2021, at 1:57 PM, Joe Della Barba via CnC-List 
>  wrote:
> 
> 
> All the umbrella policies I found with a quick search seem to be home and 
> car, no mention of boats ☹
> Be glad you aren’t looking for airplane insurance, the recent payouts on 
> crashed 737s are getting paid for by EVERYONE, not just 737 owners.
>  
> Joe Della Barba
> Coquina C&C 35 MK I
> Kent Island MD USA
>  
>  
>  
> From: Dennis C. via CnC-List  
> Sent: Thursday, October 14, 2021 9:32 AM
> To: Stus-List 
> Cc: Dennis C. 
> Subject: Stus-List Re: Insurance
>  
> I suggest anyone reviewing their insurance coverages investigate an umbrella 
> policy.  I have a significant umbrella policy that will kick in in the event 
> the coverage on any of my individual policies is exceeded.  
>  
> One caveat for umbrella policies is they are usually cheaper if you have all 
> your policies with one carrier.
>  
> --
> Dennis C.
> Touche' 35-1 #83
> Mandeville, LA
>  
> On Thu, Oct 14, 2021 at 8:23 AM Della Barba, Joe via CnC-List 
>  wrote:
> Great news 😊
> My marina requires $500K liability this year, so when I added it I didn’t 
> realize I was propagating it across all three of my policies. I now have what 
> I think is the only dinghy in the world with half a million dollars of 
> insurance.
> For all three boats it added up to $84/year extra. The dinghy is also insured 
> for 75 miles offshore, which would be quite the trip!
>  
> Joe
> Coquina C&C 35 MK I
>  
>  
>  
> Thanks to all of the subscribers that contributed to the list to help with 
> the costs involved.  If you want to show your support to the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Joe Della Barba via CnC-List]

All the umbrella policies I found with a quick search seem to be home and car, 
no mention of boats ☹

Be glad you aren’t looking for airplane insurance, the recent payouts on 
crashed 737s are getting paid for by EVERYONE, not just 737 owners.

 

Joe Della Barba

Coquina C&C 35 MK I

Kent Island MD USA

 

 

 

From: Dennis C. via CnC-List  
Sent: Thursday, October 14, 2021 9:32 AM
To: Stus-List 
Cc: Dennis C. 
Subject: Stus-List Re: Insurance

 

I suggest anyone reviewing their insurance coverages investigate an umbrella 
policy.  I have a significant umbrella policy that will kick in in the event 
the coverage on any of my individual policies is exceeded.  

 

One caveat for umbrella policies is they are usually cheaper if you have all 
your policies with one carrier.

 

--

Dennis C.

Touche' 35-1 #83

Mandeville, LA

 

On Thu, Oct 14, 2021 at 8:23 AM Della Barba, Joe via CnC-List 
mailto:cnc-list@cnc-list.com> > wrote:

Great news 😊
My marina requires $500K liability this year, so when I added it I didn’t 
realize I was propagating it across all three of my policies. I now have what I 
think is the only dinghy in the world with half a million dollars of insurance.

For all three boats it added up to $84/year extra. The dinghy is also insured 
for 75 miles offshore, which would be quite the trip!

 

Joe

Coquina C&C 35 MK I

 

 

 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Dennis C. via CnC-List]

I suggest anyone reviewing their insurance coverages investigate an
umbrella policy.  I have a significant umbrella policy that will kick in in
the event the coverage on any of my individual policies is exceeded.

One caveat for umbrella policies is they are usually cheaper if you have
all your policies with one carrier.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

On Thu, Oct 14, 2021 at 8:23 AM Della Barba, Joe via CnC-List <
cnc-list@cnc-list.com> wrote:

> Great news 😊
> My marina requires $500K liability this year, so when I added it I didn’t
> realize I was propagating it across all three of my policies. I now have
> what I think is the only dinghy in the world with half a million dollars of
> insurance.
>
> For all three boats it added up to $84/year extra. The dinghy is also
> insured for 75 miles offshore, which would be quite the trip!
>
>
>
> Joe
>
> Coquina C&C 35 MK I
>
>
>
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Della Barba, Joe via CnC-List]

Great news 😊
My marina requires $500K liability this year, so when I added it I didn’t 
realize I was propagating it across all three of my policies. I now have what I 
think is the only dinghy in the world with half a million dollars of insurance.
For all three boats it added up to $84/year extra. The dinghy is also insured 
for 75 miles offshore, which would be quite the trip!

Joe
Coquina C&C 35 MK I
Stu can get money here:
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://www.paypal.me/stumurray<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
  Thanks - Stu



From: Charlie Nelson via CnC-List 
Sent: Wednesday, October 13, 2021 8:52 PM
To: cnc-list@cnc-list.com
Cc: cenel...@aol.com
Subject: [EXTERNAL] Stus-List Re: Insurance


Followed up list suggestions and was able to get insurance with Progressive on 
line with no issues and only a small pita!

Saved about $500 for similar coverage for a grand total of ~ $476(US)/year.

Thanks again to the list--will donate a substantial portion of my savings to 
Stu--as soon as I can find his land coordinates somewhere in my old emails!

Charlie Nelson
1995 C&C 36 XL/kcb
Water Phantom

Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Charlie Nelson via CnC-List]

Followed up list suggestions and was able to get insurance with Progressive on 
line with no issues and only a small pita! 
Saved about $500 for similar coverage for a grand total of ~ $476(US)/year.
Thanks again to the list--will donate a substantial portion of my savings to 
Stu--as soon as I can find his land coordinates somewhere in my old emails!
Charlie Nelson1995 C&C 36 XL/kcbWater Phantom


-Original Message-
From: cenelson via CnC-List 
To: Stus-List 
Cc: cenelson 
Sent: Tue, Oct 12, 2021 4:19 pm
Subject: Stus-List Re: Insurance

Will do—the agent was independent and perhaps under different rules from 
Progressive. I tried with him since the on-line process was a PITA but if I can 
save some money, I can take a little PITA.
Charlie Nelson


Sent from the all new AOL app for iOS

On Tuesday, October 12, 2021, 3:31 PM, Joe Della Barba via CnC-List 
 wrote:
#yiv0078809011 #yiv0078809011 -- filtered {}#yiv0078809011 filtered 
{}#yiv0078809011 filtered {}#yiv0078809011 filtered {}#yiv0078809011 filtered 
{}#yiv0078809011 p.yiv0078809011MsoNormal, #yiv0078809011 
li.yiv0078809011MsoNormal, #yiv0078809011 div.yiv0078809011MsoNormal 
{margin:0in;font-size:11.0pt;font-family:sans-serif;}#yiv0078809011 a:link, 
#yiv0078809011 span.yiv0078809011MsoHyperlink 
{color:blue;text-decoration:underline;}#yiv0078809011 pre 
{margin:0in;font-size:10.0pt;}#yiv0078809011 
span.yiv0078809011HTMLPreformattedChar {font-family:serif;}#yiv0078809011 
span.yiv0078809011EmailStyle22 
{font-family:sans-serif;color:windowtext;}#yiv0078809011 
.yiv0078809011MsoChpDefault {font-family:sans-serif;}#yiv0078809011 filtered 
{}#yiv0078809011 div.yiv0078809011WordSection1 {}#yiv0078809011 filtered 
{}#yiv0078809011 filtered {}#yiv0078809011 filtered {}#yiv0078809011 filtered 
{}#yiv0078809011 filtered {}#yiv0078809011 filtered {}#yiv0078809011 filtered 
{}#yiv0078809011 filtered {}#yiv0078809011 filtered {}#yiv0078809011 filtered 
{}#yiv0078809011 ol {margin-bottom:0in;}#yiv0078809011 ul 
{margin-bottom:0in;}#yiv0078809011 From their website:Sailboat insurance 
limitationsWe insure most sailboats and even cover racing usage, but we do have 
some limitations including:   
   - Sailboats over 50 feet in length and valued at more than $350,000
   - Sailboats used as a primary residence (live aboards)
   - Sailboats that don’t meet published U.S. Coast Guard standards
   - Wood or steel hulls
I just upped my liability insurance cover to $500K for an extra $88 a year with 
no issues. Are you SURE about this? It took me about 10 minutes to get coverage 
online, try going straight to their website.   JoeCoquina      From: Charlie 
Nelson via CnC-List  
Sent: Tuesday, October 12, 2021 1:52 PM
To: cnc-list@cnc-list.com
Cc: cenel...@aol.com
Subject: Stus-List Re: Insurance  Info for the list--at least those in NC and 
maybe the rest of the US.   Tried to get a Progressive policy for Water Phantom 
last week and after some delay, the independent agent said that Progressive no 
longer insures boats (or at least will not write new policies) for boats over 
27 feet.   Back to square one for me--Water Phantom is 36 ft!  Charlie Nelson

-Original Message-
From: Doug Robinson via CnC-List 
To: cnc-list@cnc-list.com
Cc: Doug Robinson 
Sent: Thu, Sep 30, 2021 2:51 pm
Subject: Stus-List Re: InsuranceOOps,Checked in with Progressive this morning 
and the lad that insisted I was covered for storing in Canada was wrong.  
Refund will take 12 to 14 days and required some work to unwind in my paypal 
account.   So I will move my search to Canadian underwriters, anyone have a 
favorite in the Niagara or GTA area.  Need to check to see if they will cover a 
1976 C&C29 Mk1 before wasting our  time...FDROn 9/29/21 9:25 PM, CHARLES 
SCHEAFFER via CnC-List wrote:I've had Progressive for the last twelve years.  
Never had a claim.  No survey required during that time.  I got it mostly for 
liability and becasue marinas require it, but my policy also has a stated "cash 
value" in case of loss.  Each year the premium drops a little, (like $20) so I 
always renew.     Chuck S
On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
wrote:     I too am considering moving to Progressive to save ~ $1200 per year. 
  I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.   Before I switch, has anyone had any 
experience with the claims procedure/reimbursement from Progressive--good, bad 
or indifferent?   Saving money on insurance is a fools errand if you have to 
hire a lawyer to get them to pay a claim.   Charlie Nelson 36 XL/kcb Water 
Phantom Greenville, NC 

-Original Message-
From: ALAN BERGEN via CnC-List 
To: Stus-List 
Cc: ALAN BERGEN 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: InsuranceThey didn't ask me for a survey. 
Alan Bergen 35 Mk III Thirsty Rose City YC Portland, OR       On Mon, Sep 27, 
2021 at 9:48 AM Matthew via CnC-List  wrote: 
When I 

Stus-List Re: Insurance (in Canada)

[Marek Dziedzic via CnC-List]

I have decent experience with the Skipper's Plan (through Gallagher). Here is 
their website: Boat Insurance Quote | Skippers' Plan | Ontario Canada 
(skippersplan.com)<https://skippersplan.com/quote/>.

However, I have no clue how they would work for a boat much larger than what I 
have (27 ft). I like the option for "agreed value".

They changed their survey requirements lately, and now require a survey every 5 
years (it used to be 10). But there is also an option to insure without the 
survey, but then there are limitations. I dealt with Petra Fisher there (her 
email is on that web page (under Contact Us)).

Marek

1994 C270 Legato
Ottawa ON



From: Graham Collins via CnC-List 
Sent: Tuesday, October 12, 2021 5:35 PM
To: C&C List 
Cc: Graham Collins 
Subject: Stus-List Re: Insurance (in Canada)


Hi Doug

Secret plans was insured (in Nova Scotia) through Coast Underwriters, they are 
Vancouver based so presumably will cover Ontario.  They were great in paying 
out the claim, and I've got the green light from them for coverage on a 1979 
C&C 40 (assuming survey and mechanical go OK).  I'm with them through an 
insurance broker.

Graham Collins

Secret Plans

C&C 35-III #11


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance (in Canada)

[Graham Collins via CnC-List]

Hi Doug

Secret plans was insured (in Nova Scotia) through Coast Underwriters, 
they are Vancouver based so presumably will cover Ontario.  They were 
great in paying out the claim, and I've got the green light from them 
for coverage on a 1979 C&C 40 (assuming survey and mechanical go OK).  
I'm with them through an insurance broker.


Graham Collins
Secret Plans
C&C 35-III #11

-Original Message-


From: Doug Robinson via CnC-List 
To: cnc-list@cnc-list.com
Cc: Doug Robinson 
Sent: Thu, Sep 30, 2021 2:51 pm
Subject: Stus-List Re: Insurance

OOps,
Checked in with Progressive this morning and the lad that insisted
I was covered for storing in Canada was wrong.  Refund will take
12 to 14 days and required some work to unwind in my paypal
account.   So I will move my search to Canadian underwriters,
anyone have a favorite in the Niagara or GTA area.  Need to check
to see if they will cover a 1976 C&C29 Mk1 before wasting our 
time...
FDR
On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
I've had Progressive for the last twelve years. Never had a
claim.  No survey required during that time.  I got it mostly for
liability and becasue marinas require it, but my policy also has a
stated "cash value" in case of loss. Each year the premium drops a
little, (like $20) so I always renew.

Chuck S

On 09/27/2021 4:11 PM Charlie Nelson via CnC-List
 <mailto:cnc-list@cnc-list.com> wrote:


I too am considering moving to Progressive to save ~ $1200 per year.

I have never had a claim except for towing and now I use Boat-US
for that--$250/year which I may drop.

Before I switch, has anyone had any experience with the claims
procedure/reimbursement from Progressive--good, bad or indifferent?

Saving money on insurance is a fools errand if you have to hire a
lawyer to get them to pay a claim.

Charlie Nelson
36 XL/kcb Water Phantom
Greenville, NC


-Original Message-
From: ALAN BERGEN via CnC-List 
<mailto:cnc-list@cnc-list.com>
To: Stus-List  <mailto:cnc-list@cnc-list.com>
Cc: ALAN BERGEN 
<mailto:trya...@alumni.usc.edu>
    Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List
 wrote:

When I switched to Progressive this year, I was told that the
underwriting department would review the application and
decide if a survey was needed.  After reviewing the
application, they decided a survey was not needed.
Matt Wolford
1976 C&C 42 Custom
*From:* Glenn Henderson via CnC-List 
*Sent:* Saturday, September 25, 2021 10:57 AM
    *To:* Stus-List 
    *Cc:* Glenn Henderson 
*Subject:* Stus-List Re: Insurance
Did they require a full survey?
Glenn and Lindsey Henderson
C&C 41
WeGo
On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List
 wrote:

I recently received a renewal notice from GEICO (BoatUS).
They said my insurance premium was reduced (from $1256 to
$1226/year). Just for a check, I asked Progressive for a
quote. Their price for the same amount of insurance was
$487/year. I am now a Progressive customer.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
Thanks to all of the subscribers that contributed to the
list to help with the costs involved.  If you want to
show your support to the list - use PayPal to send
contribution -- https://www.paypal.me/stumurray

<https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
Thanks - Stu

Thanks to all of the subscribers that contributed to the list
to help with the costs involved.  If you want to show your
support to the list - use PayPal to send contribution --

https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
 Thanks - Stu 


Thanks to all of the subscribers that contributed to the list to
help with the costs involved.  If you want to show your support
to the list - use PayPal to send contribution --
https://www.paypal.me/stumurray

<https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!712yMY9s9t7BzfVed3U_Fhwp3MKxId7QNSSG3txqDqiriDtUcxHgE7356N5kWZI03UQ$>
Thanks - Stu
Thanks to all of the subscribers that contributed to the list to
help wit

Stus-List Re: Insurance

[Joel Delamirande via CnC-List]

andr...@boatsmartassure.com
Try that in Canada pretty reasonable
That direct email address

On Tue, Oct 12, 2021 at 12:14 PM Andrew Burton via CnC-List <
cnc-list@cnc-list.com> wrote:

> I’ve had good luck with Gowrie Group for Masquerade. Reasonable price and
> rock solid policy. Tell Annie Fisher I sent you.
> Andy
>
> Andrew Burton
> 26 Beacon Hill
> <https://www.google.com/maps/search/26+Beacon+Hill+Newport,+RI+USA+02840?entry=gmail&source=g>
> Newport, RI
> <https://www.google.com/maps/search/26+Beacon+Hill+Newport,+RI+USA+02840?entry=gmail&source=g>
>
> USA 02840
> <https://www.google.com/maps/search/26+Beacon+Hill+Newport,+RI+USA+02840?entry=gmail&source=g>
>
> +401 965 5260
> https://sites.google.com/site/andrewburtonyachtservices/
>
>
>
> On Oct 12, 2021, at 13:51, Charlie Nelson via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> 
>
> Info for the list--at least those in NC and maybe the rest of the US.
>
> Tried to get a Progressive policy for Water Phantom last week and after
> some delay, the independent agent said that Progressive no longer insures
> boats (or at least will not write new policies) for boats over 27 feet.
>
> Back to square one for me--Water Phantom is 36 ft!
>
> Charlie Nelson
>
>
> -Original Message-----
> From: Doug Robinson via CnC-List 
> To: cnc-list@cnc-list.com
> Cc: Doug Robinson 
> Sent: Thu, Sep 30, 2021 2:51 pm
> Subject: Stus-List Re: Insurance
>
> OOps,
> Checked in with Progressive this morning and the lad that insisted I was
> covered for storing in Canada was wrong.  Refund will take 12 to 14 days
> and required some work to unwind in my paypal account.   So I will move my
> search to Canadian underwriters, anyone have a favorite in the Niagara or
> GTA area.  Need to check to see if they will cover a 1976 C&C29 Mk1 before
> wasting our  time...
> FDR
> On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
>
> I've had Progressive for the last twelve years.  Never had a claim.  No
> survey required during that time.  I got it mostly for liability and
> becasue marinas require it, but my policy also has a stated "cash value" in
> case of loss.  Each year the premium drops a little, (like $20) so I always
> renew.
>
> Chuck S
>
> On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
>  wrote:
>
>
> I too am considering moving to Progressive to save ~ $1200 per year.
>
> I have never had a claim except for towing and now I use Boat-US for
> that--$250/year which I may drop.
>
> Before I switch, has anyone had any experience with the claims
> procedure/reimbursement from Progressive--good, bad or indifferent?
>
> Saving money on insurance is a fools errand if you have to hire a lawyer
> to get them to pay a claim.
>
> Charlie Nelson
> 36 XL/kcb Water Phantom
> Greenville, NC
>
>
> -Original Message-
> From: ALAN BERGEN via CnC-List 
> 
> To: Stus-List  
> Cc: ALAN BERGEN  
> Sent: Mon, Sep 27, 2021 1:11 pm
> Subject: Stus-List Re: Insurance
>
> They didn't ask me for a survey.
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
>
>
> On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> When I switched to Progressive this year, I was told that the underwriting
> department would review the application and decide if a survey was needed.
> After reviewing the application, they decided a survey was not needed.
>
> Matt Wolford
> 1976 C&C 42 Custom
>
> *From:* Glenn Henderson via CnC-List 
> *Sent:* Saturday, September 25, 2021 10:57 AM
> *To:* Stus-List 
> *Cc:* Glenn Henderson 
> *Subject:* Stus-List Re: Insurance
>
> Did they require a full survey?
>
> Glenn and Lindsey Henderson
> C&C 41
> WeGo
>
> On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a check,
> I asked Progressive for a quote. Their price for the same amount of
> insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray
> <https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
> Thanks - Stu

Stus-List Re: Insurance

[cenelson via CnC-List]

Will do—the agent was independent and perhaps under different rules from 
Progressive. I tried with him since the on-line process was a PITA but if I can 
save some money, I can take a little PITA.
Charlie Nelson


Sent from the all new AOL app for iOS


On Tuesday, October 12, 2021, 3:31 PM, Joe Della Barba via CnC-List 
 wrote:


>From their website:

Sailboat insurance limitations

We insure most sailboats and even cover racing usage, but we do have some 
limitations including:
   
   - Sailboats over 50 feet in length and valued at more than $350,000
   - Sailboats used as a primary residence (live aboards)
   - Sailboats that don’t meet published U.S. Coast Guard standards
   - Wood or steel hulls

I just upped my liability insurance cover to $500K for an extra $88 a year with 
no issues. Are you SURE about this? It took me about 10 minutes to get coverage 
online, try going straight to their website. 

  

Joe

Coquina

  

  

  

From: Charlie Nelson via CnC-List  
Sent: Tuesday, October 12, 2021 1:52 PM
To: cnc-list@cnc-list.com
Cc: cenel...@aol.com
Subject: Stus-List Re: Insurance

  

Info for the list--at least those in NC and maybe the rest of the US. 

  

Tried to get a Progressive policy for Water Phantom last week and after some 
delay, the independent agent said that Progressive no longer insures boats (or 
at least will not write new policies) for boats over 27 feet. 

  

Back to square one for me--Water Phantom is 36 ft!

  

Charlie Nelson



-Original Message-
From: Doug Robinson via CnC-List 
To: cnc-list@cnc-list.com
Cc: Doug Robinson 
Sent: Thu, Sep 30, 2021 2:51 pm
Subject: Stus-List Re: Insurance

OOps,

Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...

FDR

On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:

I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.   

  

Chuck S


On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
wrote: 

  

  

I too am considering moving to Progressive to save ~ $1200 per year. 

  

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop. 

  

Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent? 

  

Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim. 

  

Charlie Nelson 

36 XL/kcb Water Phantom 

Greenville, NC 



-Original Message-
From: ALAN BERGEN via CnC-List 
To: Stus-List 
Cc: ALAN BERGEN 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey. 


Alan Bergen 

35 Mk III Thirsty 

Rose City YC 

Portland, OR 

  

  

  

On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List  
wrote: 


When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed. 

  

Matt Wolford 

1976 C&C 42 Custom 

  

From: Glenn Henderson via CnC-List  
Sent: Saturday, September 25, 2021 10:57 AM 
To: Stus-List  
Cc: Glenn Henderson  
Subject: Stus-List Re: Insurance 

  

Did they require a full survey? 

  

Glenn and Lindsey Henderson 

C&C 41 

WeGo 

  

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
 wrote: 


I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer. 

  

Alan Bergen 

35 Mk III Thirsty 

Rose City YC 

Portland, OR 

  

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu 


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
   Thanks - Stu 


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  

Stus-List Re: Insurance

[ALAN BERGEN via CnC-List]

I went to the Progressive web site, and bought my insurance from them about
a month ago.

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



On Tue, Oct 12, 2021 at 10:51 AM Charlie Nelson via CnC-List <
cnc-list@cnc-list.com> wrote:

> Info for the list--at least those in NC and maybe the rest of the US.
>
> Tried to get a Progressive policy for Water Phantom last week and after
> some delay, the independent agent said that Progressive no longer insures
> boats (or at least will not write new policies) for boats over 27 feet.
>
> Back to square one for me--Water Phantom is 36 ft!
>
> Charlie Nelson
>
>
> -Original Message-
> From: Doug Robinson via CnC-List 
> To: cnc-list@cnc-list.com
> Cc: Doug Robinson 
> Sent: Thu, Sep 30, 2021 2:51 pm
> Subject: Stus-List Re: Insurance
>
> OOps,
> Checked in with Progressive this morning and the lad that insisted I was
> covered for storing in Canada was wrong.  Refund will take 12 to 14 days
> and required some work to unwind in my paypal account.   So I will move my
> search to Canadian underwriters, anyone have a favorite in the Niagara or
> GTA area.  Need to check to see if they will cover a 1976 C&C29 Mk1 before
> wasting our  time...
> FDR
> On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
>
> I've had Progressive for the last twelve years.  Never had a claim.  No
> survey required during that time.  I got it mostly for liability and
> becasue marinas require it, but my policy also has a stated "cash value" in
> case of loss.  Each year the premium drops a little, (like $20) so I always
> renew.
>
> Chuck S
>
> On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
>  wrote:
>
>
> I too am considering moving to Progressive to save ~ $1200 per year.
>
> I have never had a claim except for towing and now I use Boat-US for
> that--$250/year which I may drop.
>
> Before I switch, has anyone had any experience with the claims
> procedure/reimbursement from Progressive--good, bad or indifferent?
>
> Saving money on insurance is a fools errand if you have to hire a lawyer
> to get them to pay a claim.
>
> Charlie Nelson
> 36 XL/kcb Water Phantom
> Greenville, NC
>
>
> -Original Message-
> From: ALAN BERGEN via CnC-List 
> 
> To: Stus-List  
> Cc: ALAN BERGEN  
> Sent: Mon, Sep 27, 2021 1:11 pm
> Subject: Stus-List Re: Insurance
>
> They didn't ask me for a survey.
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
>
>
> On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> When I switched to Progressive this year, I was told that the underwriting
> department would review the application and decide if a survey was needed.
> After reviewing the application, they decided a survey was not needed.
>
> Matt Wolford
> 1976 C&C 42 Custom
>
> *From:* Glenn Henderson via CnC-List 
> *Sent:* Saturday, September 25, 2021 10:57 AM
> *To:* Stus-List 
> *Cc:* Glenn Henderson 
> *Subject:* Stus-List Re: Insurance
>
> Did they require a full survey?
>
> Glenn and Lindsey Henderson
> C&C 41
> WeGo
>
> On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a check,
> I asked Progressive for a quote. Their price for the same amount of
> insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray
> <https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
> Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
>  Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --  https://www.paypal.me/stumurray
> <https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!712yMY9s9t7BzfVed3U_Fhwp3MKxId

Stus-List Re: Insurance

[John McCrea via CnC-List]

Second on Gowrie. I have my 36-1, j24 and regulator 21 with them. 

 

From: Andrew Burton via CnC-List  
Sent: Tuesday, October 12, 2021 3:14 PM
To: Stus-List 
Cc: Andrew Burton 
Subject: Stus-List Re: Insurance

 

I’ve had good luck with Gowrie Group for Masquerade. Reasonable price and rock 
solid policy. Tell Annie Fisher I sent you. 

Andy

Andrew Burton

26 Beacon Hill

Newport, RI 

USA 02840

 

+401 965 5260

https://sites.google.com/site/andrewburtonyachtservices/

 

 





On Oct 12, 2021, at 13:51, Charlie Nelson via CnC-List mailto:cnc-list@cnc-list.com> > wrote:

 

Info for the list--at least those in NC and maybe the rest of the US. 

 

Tried to get a Progressive policy for Water Phantom last week and after some 
delay, the independent agent said that Progressive no longer insures boats (or 
at least will not write new policies) for boats over 27 feet. 

 

Back to square one for me--Water Phantom is 36 ft!

 

Charlie Nelson



-Original Message-
From: Doug Robinson via CnC-List mailto:cnc-list@cnc-list.com> >
To: cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com> 
Cc: Doug Robinson mailto:doug.robins...@gmail.com> >
Sent: Thu, Sep 30, 2021 2:51 pm
Subject: Stus-List Re: Insurance

OOps,

Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...

FDR

On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:

I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.   

 

Chuck S

On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
<mailto:cnc-list@cnc-list.com>  wrote: 

 

 

I too am considering moving to Progressive to save ~ $1200 per year. 

 

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop. 

 

Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent? 

 

Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim. 

 

Charlie Nelson 

36 XL/kcb Water Phantom 

Greenville, NC 



-Original Message-
From: ALAN BERGEN via CnC-List  <mailto:cnc-list@cnc-list.com> 

To: Stus-List  <mailto:cnc-list@cnc-list.com> 
Cc: ALAN BERGEN  <mailto:trya...@alumni.usc.edu> 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey. 


Alan Bergen 

35 Mk III Thirsty 

Rose City YC 

Portland, OR 

 

 

 

On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List mailto:cnc-list@cnc-list.com> > wrote: 

When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed. 

  

Matt Wolford 

1976 C&C 42 Custom 

  

From: Glenn Henderson via CnC-List mailto:cnc-list@cnc-list.com> > 
Sent: Saturday, September 25, 2021 10:57 AM 
To: Stus-List mailto:cnc-list@cnc-list.com> > 
Cc: Glenn Henderson mailto:ghe...@gmail.com> > 
Subject: Stus-List Re: Insurance 

  

Did they require a full survey? 

  

Glenn and Lindsey Henderson 

C&C 41 

WeGo 

  

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List mailto:cnc-list@cnc-list.com> > wrote: 

I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer. 

  

Alan Bergen 

35 Mk III Thirsty 

Rose City YC 

Portland, OR 

  

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray 
<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
   Thanks - Stu 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
 
<https://urldefense.com/v3/__https:/www.payp

Stus-List Re: Insurance

[Joe Della Barba via CnC-List]

>From their website:

Sailboat insurance limitations

We insure most sailboats and even cover racing usage, but we do have some 
limitations including:

*   Sailboats over 50 feet in length and valued at more than $350,000
*   Sailboats used as a primary residence (live aboards)
*   Sailboats that don’t meet published U.S. Coast Guard standards
*   Wood or steel hulls

I just upped my liability insurance cover to $500K for an extra $88 a year with 
no issues. Are you SURE about this? It took me about 10 minutes to get coverage 
online, try going straight to their website. 

 

Joe

Coquina

 

 

 

From: Charlie Nelson via CnC-List  
Sent: Tuesday, October 12, 2021 1:52 PM
To: cnc-list@cnc-list.com
Cc: cenel...@aol.com
Subject: Stus-List Re: Insurance

 

Info for the list--at least those in NC and maybe the rest of the US. 

 

Tried to get a Progressive policy for Water Phantom last week and after some 
delay, the independent agent said that Progressive no longer insures boats (or 
at least will not write new policies) for boats over 27 feet. 

 

Back to square one for me--Water Phantom is 36 ft!

 

Charlie Nelson



-Original Message-
From: Doug Robinson via CnC-List mailto:cnc-list@cnc-list.com> >
To: cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com> 
Cc: Doug Robinson mailto:doug.robins...@gmail.com> >
Sent: Thu, Sep 30, 2021 2:51 pm
Subject: Stus-List Re: Insurance

OOps,

Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...

FDR

On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:

I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.   

 

Chuck S

On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
<mailto:cnc-list@cnc-list.com>  wrote: 

 

 

I too am considering moving to Progressive to save ~ $1200 per year. 

 

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop. 

 

Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent? 

 

Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim. 

 

Charlie Nelson 

36 XL/kcb Water Phantom 

Greenville, NC 



-Original Message-
From: ALAN BERGEN via CnC-List  <mailto:cnc-list@cnc-list.com> 

To: Stus-List  <mailto:cnc-list@cnc-list.com> 
Cc: ALAN BERGEN  <mailto:trya...@alumni.usc.edu> 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey. 


Alan Bergen 

35 Mk III Thirsty 

Rose City YC 

Portland, OR 

 

 

 

On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List mailto:cnc-list@cnc-list.com> > wrote: 

When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed. 

  

Matt Wolford 

1976 C&C 42 Custom 

  

From: Glenn Henderson via CnC-List mailto:cnc-list@cnc-list.com> > 
Sent: Saturday, September 25, 2021 10:57 AM 
To: Stus-List mailto:cnc-list@cnc-list.com> > 
Cc: Glenn Henderson mailto:ghe...@gmail.com> > 
Subject: Stus-List Re: Insurance 

  

Did they require a full survey? 

  

Glenn and Lindsey Henderson 

C&C 41 

WeGo 

  

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List mailto:cnc-list@cnc-list.com> > wrote: 

I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer. 

  

Alan Bergen 

35 Mk III Thirsty 

Rose City YC 

Portland, OR 

  

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray 
<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
   Thanks - Stu 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https

Stus-List Re: Insurance

[Andrew Burton via CnC-List]

I’ve had good luck with Gowrie Group for Masquerade. Reasonable price and rock 
solid policy. Tell Annie Fisher I sent you. 
Andy

Andrew Burton
26 Beacon Hill
Newport, RI 
USA 02840

+401 965 5260
https://sites.google.com/site/andrewburtonyachtservices/



> On Oct 12, 2021, at 13:51, Charlie Nelson via CnC-List 
>  wrote:
> 
> 
> Info for the list--at least those in NC and maybe the rest of the US.
> 
> Tried to get a Progressive policy for Water Phantom last week and after some 
> delay, the independent agent said that Progressive no longer insures boats 
> (or at least will not write new policies) for boats over 27 feet. 
> 
> Back to square one for me--Water Phantom is 36 ft!
> 
> Charlie Nelson
> 
> 
> -Original Message-
> From: Doug Robinson via CnC-List 
> To: cnc-list@cnc-list.com
> Cc: Doug Robinson 
> Sent: Thu, Sep 30, 2021 2:51 pm
> Subject: Stus-List Re: Insurance
> 
> OOps,
> Checked in with Progressive this morning and the lad that insisted I was 
> covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
> required some work to unwind in my paypal account.   So I will move my search 
> to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
> Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
> time...
> FDR
> On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
> 
> I've had Progressive for the last twelve years.  Never had a claim.  No 
> survey required during that time.  I got it mostly for liability and becasue 
> marinas require it, but my policy also has a stated "cash value" in case of 
> loss.  Each year the premium drops a little, (like $20) so I always renew.   
> 
> Chuck S
>> On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
>> wrote:
>> 
>> 
>> I too am considering moving to Progressive to save ~ $1200 per year.
>> 
>> I have never had a claim except for towing and now I use Boat-US for 
>> that--$250/year which I may drop.
>> 
>> Before I switch, has anyone had any experience with the claims 
>> procedure/reimbursement from Progressive--good, bad or indifferent?
>> 
>> Saving money on insurance is a fools errand if you have to hire a lawyer to 
>> get them to pay a claim.
>> 
>> Charlie Nelson
>> 36 XL/kcb Water Phantom
>> Greenville, NC 
>> 
>> 
>> -Original Message-
>> From: ALAN BERGEN via CnC-List 
>> To: Stus-List 
>> Cc: ALAN BERGEN 
>> Sent: Mon, Sep 27, 2021 1:11 pm
>> Subject: Stus-List Re: Insurance
>> 
>> They didn't ask me for a survey. 
>> Alan Bergen
>> 35 Mk III Thirsty
>> Rose City YC
>> Portland, OR 
>> 
>> 
>> 
>> On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List  
>> wrote: 
>> When I switched to Progressive this year, I was told that the underwriting 
>> department would review the application and decide if a survey was needed.  
>> After reviewing the application, they decided a survey was not needed.
>>  
>> Matt Wolford
>> 1976 C&C 42 Custom
>>  
>> From: Glenn Henderson via CnC-List  
>> Sent: Saturday, September 25, 2021 10:57 AM 
>> To: Stus-List  
>> Cc: Glenn Henderson  
>> Subject: Stus-List Re: Insurance
>>  
>> Did they require a full survey?
>>  
>> Glenn and Lindsey Henderson
>> C&C 41
>> WeGo
>>  
>> On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
>>  wrote:
>> I recently received a renewal notice from GEICO (BoatUS). They said my 
>> insurance premium was reduced (from $1256 to $1226/year). Just for a check, 
>> I asked Progressive for a quote. Their price for the same amount of 
>> insurance was $487/year. I am now a Progressive customer.
>>  
>> Alan Bergen
>> 35 Mk III Thirsty
>> Rose City YC
>> Portland, OR
>>  
>> Thanks to all of the subscribers that contributed to the list to help with 
>> the costs involved.  If you want to show your support to the list - use 
>> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks - 
>> Stu
>> Thanks to all of the subscribers that contributed to the list to help with 
>> the costs involved.  If you want to show your support to the list - use 
>> PayPal to send contribution --   
>> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
>>Thanks - Stu
>> Thanks to all of the subscribers that contributed to the list to help with 
>> the costs involved.  If you 

Stus-List Re: Insurance

[Charlie Nelson via CnC-List]

Info for the list--at least those in NC and maybe the rest of the US.
Tried to get a Progressive policy for Water Phantom last week and after some 
delay, the independent agent said that Progressive no longer insures boats (or 
at least will not write new policies) for boats over 27 feet. 
Back to square one for me--Water Phantom is 36 ft!
Charlie Nelson


-Original Message-
From: Doug Robinson via CnC-List 
To: cnc-list@cnc-list.com
Cc: Doug Robinson 
Sent: Thu, Sep 30, 2021 2:51 pm
Subject: Stus-List Re: Insurance

 OOps, Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time... FDR
  On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
  
 
 I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.   

Chuck S
   
  On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
wrote:   
   
   I too am considering moving to Progressive to save ~ $1200 per year.  
   I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.   
   Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?   
   Saving money on insurance is a fools errand if you have to hire a lawyer to 
get them to pay a claim.   
   Charlie Nelson   36 XL/kcb Water Phantom   Greenville, NC 
 
 
  -Original Message-
 From: ALAN BERGEN via CnC-List 
 To: Stus-List 
 Cc: ALAN BERGEN 
 Sent: Mon, Sep 27, 2021 1:11 pm
 Subject: Stus-List Re: Insurance
 
They didn't ask me for a survey. 
   Alan Bergen   35 Mk III Thirsty   Rose City YC   Portland, OR 
  
 
   
   On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List  
wrote: 
  
When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed.       
Matt Wolford   1976 C&C 42 Custom    From: Glenn Henderson via CnC-List 
 
 Sent: Saturday, September 25, 2021 10:57 AM 
 To: Stus-List  
 Cc: Glenn Henderson  
 Subject: Stus-List Re: Insurance Did they require a full survey?   
   Glenn and Lindsey Henderson C&C 41 WeGo   On Thu, Sep 23, 
2021 at 3:48 PM ALAN BERGEN via CnC-List  wrote:   
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.    Alan Bergen 
35 Mk III Thirsty Rose City YC Portland, OR  Thanks to 
all of the subscribers that contributed to the list to help with the costs 
involved.  If you want to show your support to the list - use PayPal to send 
contribution --   https://www.paypal.me/stumurray  Thanks - Stu  
Thanks to all of the subscribers that contributed to the list to help with 
the costs involved.  If you want to show your support to the list - use PayPal 
to send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
   Thanks - Stu 
   Thanks to all of the subscribers that contributed to the list to help with 
the costs involved.  If you want to show your support to the list - use PayPal 
to send contribution --  https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved. If you want to show your support to the list - use PayPal to 
send contribution -- https://www.paypal.me/stumurray Thanks - Stu 
 
  Thanks to all of the subscribers that contributed to the list to help with 
the costs involved.  If you want to show your support to the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray  Thanks - Stu Thanks 
to all of the subscribers that contributed to the list to help with the costs 
involved.  If you want to show your support to the list - use PayPal to send 
contribution --  https://www.paypal.me/stumurray  Thanks - StuThanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Sylvain Laplante via CnC-List]

 Same insurance as me, but I just read that RSA was bought by Intact in June so 
you are back to RSA  :-)


On Thursday, September 30, 2021, 03:36:30 PM EDT, Hoyt, Mike via CnC-List 
 wrote:  
 
 
We were with Royal Sun Alliance (RSA) for a number of years.  We did have a 
claim and they were very good to deal with.
 
  
 
Used to have a three pay system where you were billed three times per year but 
they stopped doing that./  this was the only reason we moved on to Intact
 
  
 
Mike Hoyt
 
Persistence
 
Halifax, NS
 
  
 
  
 
From: Sylvain Laplante via CnC-List 
Sent: September 30, 2021 4:17 PM
To: cnc-list@cnc-list.com
Cc: Sylvain Laplante 
Subject: Stus-List Re: Insurance
 
  
 
I did not follow all the thread but here ( Montreal , Quebec with my 1975 C&C 
on lake Champlain ) I am insured with Royal Alliance ( now RSA Group ) through 
my insurance broker. No new survey for 10 years ( I have the option : with 
survey for real value of my boat or no survey for market value of the boat ).
 
I never had a claim in  25 years though..
 
  
 
Sylvain
 
C&C27 MkIII
 
  
 
  
 
  
 
On Thursday, September 30, 2021, 02:51:48 PM EDT, Doug Robinson via CnC-List 
 wrote:
 
  
 
  
 
OOps,
 
Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...
 
FDR
 
On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
 
I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.  
 
  
 
Chuck S
 

On 09/27/2021 4:11 PM Charlie Nelson via CnC-List wrote:
 
  
 
  
 
I too am considering moving to Progressive to save ~ $1200 per year.
 
  
 
I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.
 
  
 
Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?
 
  
 
Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim.
 
  
 
Charlie Nelson
 
36 XL/kcb Water Phantom
 
Greenville, NC


 
-Original Message-
From: ALAN BERGEN via CnC-List 
To: Stus-List 
Cc: ALAN BERGEN 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance
 
They didn't ask me for a survey.

 
Alan Bergen
 
35 Mk III Thirsty
 
Rose City YC
 
Portland, OR
 
  
 
  
 
  
 
On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List  
wrote:
 

When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed. 
 
 
 
Matt Wolford
 
1976 C&C 42 Custom
 
 
 
From: Glenn Henderson via CnC-List 
Sent: Saturday, September 25, 2021 10:57 AM
To: Stus-List 
Cc: Glenn Henderson 
Subject: Stus-List Re: Insurance
 
 
 
Did they require a full survey?
 
 
 
Glenn and Lindsey Henderson
 
C&C 41
 
WeGo
 
 
 
On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
 wrote:
 

I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.
 
 
 
Alan Bergen
 
35 Mk III Thirsty
 
Rose City YC
 
Portland, OR
 
 
 
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
   Thanks - Stu 
 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --  https://www.paypal.me/stumurrayThanks - Stu
 
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved. If you want to show your support to the list - use PayPal to 
send contribution -- https://www.paypal.me/stumurray Thanks - Stu
 




 Thanks to all of the subscribers that contributed to the list to help with the 
c

Stus-List Re: Insurance

[Paul Fountain via CnC-List]

We are with Skippers plan (Aviva) and have been for years. They covered us for 
the first 2 years while we were living in the US, and no issues when we 
returned to Canada.

I deal with Drew Robertson, let me know if you need more info.

Paul

From: Doug Robinson via CnC-List 
Sent: Thursday, September 30, 2021 2:51:30 PM
To: cnc-list@cnc-list.com 
Cc: Doug Robinson 
Subject: Stus-List Re: Insurance


OOps,

Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...

FDR

On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.

Chuck S
On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
<mailto:cnc-list@cnc-list.com> wrote:


I too am considering moving to Progressive to save ~ $1200 per year.

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.

Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?

Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim.

Charlie Nelson
36 XL/kcb Water Phantom
Greenville, NC


-Original Message-
From: ALAN BERGEN via CnC-List 
<mailto:cnc-list@cnc-list.com>
To: Stus-List <mailto:cnc-list@cnc-list.com>
Cc: ALAN BERGEN <mailto:trya...@alumni.usc.edu>
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed.

Matt Wolford
1976 C&C 42 Custom

From: Glenn Henderson via CnC-List 
mailto:cnc-list@cnc-list.com>>
Sent: Saturday, September 25, 2021 10:57 AM
To: Stus-List mailto:cnc-list@cnc-list.com>>
Cc: Glenn Henderson mailto:ghe...@gmail.com>>
Subject: Stus-List Re: Insurance

Did they require a full survey?

Glenn and Lindsey Henderson
C&C 41
WeGo

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

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

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://www.paypal.me/stumurray<https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
   Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --  https://www.paypal.me/stumurray Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved. If you want to show your support to the list - use PayPal to 
send contribution -- https://www.paypal.me/stumurray Thanks - Stu



Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Hoyt, Mike via CnC-List]

We were with Royal Sun Alliance (RSA) for a number of years.  We did have a 
claim and they were very good to deal with.

Used to have a three pay system where you were billed three times per year but 
they stopped doing that./  this was the only reason we moved on to Intact

Mike Hoyt
Persistence
Halifax, NS


From: Sylvain Laplante via CnC-List 
Sent: September 30, 2021 4:17 PM
To: cnc-list@cnc-list.com
Cc: Sylvain Laplante 
Subject: Stus-List Re: Insurance

I did not follow all the thread but here ( Montreal , Quebec with my 1975 C&C 
on lake Champlain ) I am insured with Royal Alliance ( now RSA Group ) through 
my insurance broker. No new survey for 10 years ( I have the option : with 
survey for real value of my boat or no survey for market value of the boat ).
I never had a claim in  25 years though..

Sylvain
C&C27 MkIII



On Thursday, September 30, 2021, 02:51:48 PM EDT, Doug Robinson via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:



OOps,

Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...

FDR
On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.

Chuck S
On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
<mailto:cnc-list@cnc-list.com> wrote:


I too am considering moving to Progressive to save ~ $1200 per year.

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.

Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?

Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim.

Charlie Nelson
36 XL/kcb Water Phantom
Greenville, NC

-Original Message-
From: ALAN BERGEN via CnC-List 
<mailto:cnc-list@cnc-list.com>
To: Stus-List <mailto:cnc-list@cnc-list.com>
Cc: ALAN BERGEN <mailto:trya...@alumni.usc.edu>
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance
They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed.

Matt Wolford
1976 C&C 42 Custom

From: Glenn Henderson via CnC-List 
mailto:cnc-list@cnc-list.com>>
Sent: Saturday, September 25, 2021 10:57 AM
To: Stus-List mailto:cnc-list@cnc-list.com>>
Cc: Glenn Henderson mailto:ghe...@gmail.com>>
Subject: Stus-List Re: Insurance

Did they require a full survey?

Glenn and Lindsey Henderson
C&C 41
WeGo

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

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

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://www.paypal.me/stumurray<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
   Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --  https://www.paypal.me/stumurray Thanks - Stu
Thanks to all of the subscribers that contributed 

Stus-List Re: Insurance

[Sylvain Laplante via CnC-List]

 I did not follow all the thread but here ( Montreal , Quebec with my 1975 C&C 
on lake Champlain ) I am insured with Royal Alliance ( now RSA Group ) through 
my insurance broker. No new survey for 10 years ( I have the option : with 
survey for real value of my boat or no survey for market value of the boat ).I 
never had a claim in  25 years though..
SylvainC&C27 MkIII


On Thursday, September 30, 2021, 02:51:48 PM EDT, Doug Robinson via 
CnC-List  wrote:  
 
  
OOps,
 
Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days and 
required some work to unwind in my paypal account.   So I will move my search 
to Canadian underwriters, anyone have a favorite in the Niagara or GTA area.  
Need to check to see if they will cover a 1976 C&C29 Mk1 before wasting our  
time...
 
FDR
 
 On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
  
 
 I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.   

Chuck S
   
  On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
wrote:   
   
   I too am considering moving to Progressive to save ~ $1200 per year.  
   I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.   
   Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?   
   Saving money on insurance is a fools errand if you have to hire a lawyer to 
get them to pay a claim.   
   Charlie Nelson   36 XL/kcb Water Phantom   Greenville, NC 
 
 
  -Original Message-
 From: ALAN BERGEN via CnC-List 
 To: Stus-List 
 Cc: ALAN BERGEN 
 Sent: Mon, Sep 27, 2021 1:11 pm
 Subject: Stus-List Re: Insurance
 
They didn't ask me for a survey. 
   Alan Bergen   35 Mk III Thirsty   Rose City YC   Portland, OR 
  
 
   
   On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List  
wrote: 
  
When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed.       
Matt Wolford   1976 C&C 42 Custom    From: Glenn Henderson via CnC-List 
 
 Sent: Saturday, September 25, 2021 10:57 AM 
 To: Stus-List  
 Cc: Glenn Henderson  
 Subject: Stus-List Re: Insurance Did they require a full survey?   
   Glenn and Lindsey Henderson C&C 41 WeGo   On Thu, Sep 23, 
2021 at 3:48 PM ALAN BERGEN via CnC-List  wrote:   
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.    Alan Bergen 
35 Mk III Thirsty Rose City YC Portland, OR  Thanks to 
all of the subscribers that contributed to the list to help with the costs 
involved.  If you want to show your support to the list - use PayPal to send 
contribution --   https://www.paypal.me/stumurray  Thanks - Stu  
Thanks to all of the subscribers that contributed to the list to help with 
the costs involved.  If you want to show your support to the list - use PayPal 
to send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
   Thanks - Stu 
   Thanks to all of the subscribers that contributed to the list to help with 
the costs involved.  If you want to show your support to the list - use PayPal 
to send contribution --  https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved. If you want to show your support to the list - use PayPal to 
send contribution -- https://www.paypal.me/stumurray Thanks - Stu 
 
  Thanks to all of the subscribers that contributed to the list to help with 
the costs involved.  If you want to show your support to the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray  Thanks - Stu Thanks 
to all of the subscribers that contributed to the list to help with the costs 
involved.  If you want to show your support to the list - use PayPal to send 
contribution --  https://www.paypal.me/stumurray  Thanks - Stu  Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Doug Robinson via CnC-List]

OOps,

Checked in with Progressive this morning and the lad that insisted I was 
covered for storing in Canada was wrong.  Refund will take 12 to 14 days 
and required some work to unwind in my paypal account.   So I will move 
my search to Canadian underwriters, anyone have a favorite in the 
Niagara or GTA area. Need to check to see if they will cover a 1976 
C&C29 Mk1 before wasting our  time...


FDR

On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
I've had Progressive for the last twelve years.  Never had a claim.  
No survey required during that time.  I got it mostly for liability 
and becasue marinas require it, but my policy also has a stated "cash 
value" in case of loss.  Each year the premium drops a little, (like 
$20) so I always renew.


Chuck S
On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
 wrote:



I too am considering moving to Progressive to save ~ $1200 per year.

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.


Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?


Saving money on insurance is a fools errand if you have to hire a 
lawyer to get them to pay a claim.


Charlie Nelson
36 XL/kcb Water Phantom
Greenville, NC


-Original Message-
From: ALAN BERGEN via CnC-List 
To: Stus-List 
Cc: ALAN BERGEN 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:


When I switched to Progressive this year, I was told that the
underwriting department would review the application and decide
if a survey was needed.  After reviewing the application, they
decided a survey was not needed.
Matt Wolford
1976 C&C 42 Custom
*From:* Glenn Henderson via CnC-List mailto:cnc-list@cnc-list.com>>
*Sent:* Saturday, September 25, 2021 10:57 AM
*To:* Stus-List mailto:cnc-list@cnc-list.com>>
*Cc:* Glenn Henderson mailto:ghe...@gmail.com>>
*Subject:* Stus-List Re: Insurance
Did they require a full survey?
Glenn and Lindsey Henderson
C&C 41
WeGo
On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List
mailto:cnc-list@cnc-list.com>> wrote:

I recently received a renewal notice from GEICO (BoatUS).
They said my insurance premium was reduced (from $1256 to
$1226/year). Just for a check, I asked Progressive for a
quote. Their price for the same amount of insurance was
$487/year. I am now a Progressive customer.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
Thanks to all of the subscribers that contributed to the list
to help with the costs involved.  If you want to show your
support to the list - use PayPal to send contribution --
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Thanks - Stu

Thanks to all of the subscribers that contributed to the list to
help with the costs involved.  If you want to show your support
to the list - use PayPal to send contribution --

https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$

<https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
 Thanks - Stu 

Thanks to all of the subscribers that contributed to the list to help 
with the costs involved.  If you want to show your support to the 
list - use PayPal to send contribution -- 
https://www.paypal.me/stumurray <https://www.paypal.me/stumurray> 
Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help 
with the costs involved. If you want to show your support to the list 
- use PayPal to send contribution -- https://www.paypal.me/stumurray 
Thanks - Stu 


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[David Swensen via CnC-List]

I have had Progressive for 11 years. I had a claim on my previous boat.
They came and made an assessment of the damage and I had a check 3 days
later. I was told if the repairs were over the amount they sent me to send
the receipt and they would review and send an additional check if
necessary. The cost was about 300 more, and they sent another check to
cover it.
I now use them for my current boat. Most of the people you speak with are
auto oriented, but they are helpful and will find an answer for you.

On Wed, Sep 29, 2021 at 9:26 PM CHARLES SCHEAFFER via CnC-List <
cnc-list@cnc-list.com> wrote:

> I've had Progressive for the last twelve years.  Never had a claim.  No
> survey required during that time.  I got it mostly for liability and
> becasue marinas require it, but my policy also has a stated "cash value" in
> case of loss.  Each year the premium drops a little, (like $20) so I always
> renew.
>
> Chuck S
>
> On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
> wrote:
>
>
> I too am considering moving to Progressive to save ~ $1200 per year.
>
> I have never had a claim except for towing and now I use Boat-US for
> that--$250/year which I may drop.
>
> Before I switch, has anyone had any experience with the claims
> procedure/reimbursement from Progressive--good, bad or indifferent?
>
> Saving money on insurance is a fools errand if you have to hire a lawyer
> to get them to pay a claim.
>
> Charlie Nelson
> 36 XL/kcb Water Phantom
> Greenville, NC
>
>
> -Original Message-
> From: ALAN BERGEN via CnC-List 
> To: Stus-List 
> Cc: ALAN BERGEN 
> Sent: Mon, Sep 27, 2021 1:11 pm
> Subject: Stus-List Re: Insurance
>
> They didn't ask me for a survey.
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
>
>
> On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> When I switched to Progressive this year, I was told that the underwriting
> department would review the application and decide if a survey was needed.
> After reviewing the application, they decided a survey was not needed.
>
> Matt Wolford
> 1976 C&C 42 Custom
>
> *From:* Glenn Henderson via CnC-List 
> *Sent:* Saturday, September 25, 2021 10:57 AM
> *To:* Stus-List 
> *Cc:* Glenn Henderson 
> *Subject:* Stus-List Re: Insurance
>
> Did they require a full survey?
>
> Glenn and Lindsey Henderson
> C&C 41
> WeGo
>
> On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a check,
> I asked Progressive for a quote. Their price for the same amount of
> insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray
> <https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
> Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
>  Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --  https://www.paypal.me/stumurray Thanks -
> Stu
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved. If you want to show your support to the list - use
> PayPal to send contribution -- https://www.paypal.me/stumurray Thanks -
> Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Doug Robinson via CnC-List]

Well I just switched to Progressive this evening.  Geico refused to 
insure an American boat in Canada, while Progressive indicated it was no 
problem.  Now if I can print a copy of the policy we will see.  So far 
the only print copy I can find outlines what they will do when my dog 
dies.   I don't have a dog.  We hopefully not have to put it to test.


On 9/29/21 9:25 PM, CHARLES SCHEAFFER via CnC-List wrote:
I've had Progressive for the last twelve years.  Never had a claim.  
No survey required during that time.  I got it mostly for liability 
and becasue marinas require it, but my policy also has a stated "cash 
value" in case of loss.  Each year the premium drops a little, (like 
$20) so I always renew.


Chuck S
On 09/27/2021 4:11 PM Charlie Nelson via CnC-List 
 wrote:



I too am considering moving to Progressive to save ~ $1200 per year.

I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.


Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?


Saving money on insurance is a fools errand if you have to hire a 
lawyer to get them to pay a claim.


Charlie Nelson
36 XL/kcb Water Phantom
Greenville, NC


-Original Message-
From: ALAN BERGEN via CnC-List 
To: Stus-List 
Cc: ALAN BERGEN 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:


When I switched to Progressive this year, I was told that the
underwriting department would review the application and decide
if a survey was needed.  After reviewing the application, they
decided a survey was not needed.
Matt Wolford
1976 C&C 42 Custom
*From:* Glenn Henderson via CnC-List mailto:cnc-list@cnc-list.com>>
*Sent:* Saturday, September 25, 2021 10:57 AM
*To:* Stus-List mailto:cnc-list@cnc-list.com>>
*Cc:* Glenn Henderson mailto:ghe...@gmail.com>>
*Subject:* Stus-List Re: Insurance
Did they require a full survey?
Glenn and Lindsey Henderson
C&C 41
WeGo
On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List
mailto:cnc-list@cnc-list.com>> wrote:

I recently received a renewal notice from GEICO (BoatUS).
They said my insurance premium was reduced (from $1256 to
$1226/year). Just for a check, I asked Progressive for a
quote. Their price for the same amount of insurance was
$487/year. I am now a Progressive customer.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
Thanks to all of the subscribers that contributed to the list
to help with the costs involved.  If you want to show your
support to the list - use PayPal to send contribution --
https://www.paypal.me/stumurray

<https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
Thanks - Stu

Thanks to all of the subscribers that contributed to the list to
help with the costs involved.  If you want to show your support
to the list - use PayPal to send contribution --

https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$

<https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
 Thanks - Stu 

Thanks to all of the subscribers that contributed to the list to help 
with the costs involved.  If you want to show your support to the 
list - use PayPal to send contribution -- 
https://www.paypal.me/stumurray <https://www.paypal.me/stumurray> 
Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help 
with the costs involved. If you want to show your support to the list 
- use PayPal to send contribution -- https://www.paypal.me/stumurray 
Thanks - Stu 


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[CHARLES SCHEAFFER via CnC-List]

I've had Progressive for the last twelve years.  Never had a claim.  No survey 
required during that time.  I got it mostly for liability and becasue marinas 
require it, but my policy also has a stated "cash value" in case of loss.  Each 
year the premium drops a little, (like $20) so I always renew.  

Chuck S

> On 09/27/2021 4:11 PM Charlie Nelson via CnC-List  
> wrote:
> 
> 
> I too am considering moving to Progressive to save ~ $1200 per year.
> 
> I have never had a claim except for towing and now I use Boat-US for 
> that--$250/year which I may drop.
> 
> Before I switch, has anyone had any experience with the claims 
> procedure/reimbursement from Progressive--good, bad or indifferent?
> 
> Saving money on insurance is a fools errand if you have to hire a lawyer 
> to get them to pay a claim.
> 
> Charlie Nelson
> 36 XL/kcb Water Phantom
> Greenville, NC
> 
> 
> -Original Message-
> From: ALAN BERGEN via CnC-List 
> To: Stus-List 
>     Cc: ALAN BERGEN 
> Sent: Mon, Sep 27, 2021 1:11 pm
> Subject: Stus-List Re: Insurance
> 
> They didn't ask me for a survey.
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
> 
> 
> 
> On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
> mailto:cnc-list@cnc-list.com > wrote:
> 
> > > When I switched to Progressive this year, I was told that 
> the underwriting department would review the application and decide if a 
> survey was needed.  After reviewing the application, they decided a survey 
> was not needed.
> >  
> > Matt Wolford
> > 1976 C&C 42 Custom
> >  
> > From: Glenn Henderson via CnC-List  > mailto:cnc-list@cnc-list.com >
> >     Sent: Saturday, September 25, 2021 10:57 AM
> > To: Stus-List mailto:cnc-list@cnc-list.com >
> > Cc: Glenn Henderson mailto:ghe...@gmail.com >
> > Subject: Stus-List Re: Insurance
> >  
> > Did they require a full survey?
> >  
> > Glenn and Lindsey Henderson
> > C&C 41
> > WeGo
> >  
> > On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
> > mailto:cnc-list@cnc-list.com > wrote:
> > 
> > > > > I recently received a renewal notice from 
> > GEICO (BoatUS). They said my insurance premium was reduced (from $1256 to 
> > $1226/year). Just for a check, I asked Progressive for a quote. Their price 
> > for the same amount of insurance was $487/year. I am now a Progressive 
> > customer.
> > >  
> > > Alan Bergen
> > > 35 Mk III Thirsty
> > > Rose City YC
> > > Portland, OR
> > >  
> > > Thanks to all of the subscribers that contributed to the list 
> > > to help with the costs involved.  If you want to show your support to the 
> > > list - use PayPal to send contribution --   
> > > https://www.paypal.me/stumurray 
> > > https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
> > >Thanks - Stu
> > > 
> > > > > Thanks to all of the subscribers that contributed to 
> > > the list to help with the costs involved.  If you want to show your 
> > > support to the list - use PayPal to send contribution --   
> > > https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
> > >Thanks - Stu
> > 
> > > Thanks to all of the subscribers that contributed to the list to 
> > help with the costs involved.  If you want to show your support to the list 
> > - use PayPal to send contribution --  https://www.paypal.me/stumurray 
> > https://www.paypal.me/stumurray Thanks - Stu
> Thanks to all of the subscribers that contributed to the list to help 
> with the costs involved. If you want to show your support to the list - use 
> PayPal to send contribution -- https://www.paypal.me/stumurray Thanks - Stu
> 
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Charlie Nelson via CnC-List]

I too am considering moving to Progressive to save ~ $1200 per year.
I have never had a claim except for towing and now I use Boat-US for 
that--$250/year which I may drop.
Before I switch, has anyone had any experience with the claims 
procedure/reimbursement from Progressive--good, bad or indifferent?
Saving money on insurance is a fools errand if you have to hire a lawyer to get 
them to pay a claim.
Charlie Nelson36 XL/kcb Water PhantomGreenville, NC


-Original Message-
From: ALAN BERGEN via CnC-List 
To: Stus-List 
Cc: ALAN BERGEN 
Sent: Mon, Sep 27, 2021 1:11 pm
Subject: Stus-List Re: Insurance

They didn't ask me for a survey.
Alan Bergen35 Mk III ThirstyRose City YCPortland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List  
wrote:

When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed. Matt 
Wolford1976 C&C 42 Custom From: Glenn Henderson via CnC-List 
 
Sent: Saturday, September 25, 2021 10:57 AM
To: Stus-List 
Cc: Glenn Henderson 
Subject: Stus-List Re: Insurance Did they require a full survey? Glenn and 
Lindsey HendersonC&C 41WeGo On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via 
CnC-List  wrote:
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer. Alan Bergen35 Mk III ThirstyRose 
City YCPortland, OR Thanks to all of the subscribers that contributed to the 
list to help with the costs involved.  If you want to show your support to the 
list - use PayPal to send contribution --   https://www.paypal.me/stumurray  
Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
   Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --  https://www.paypal.me/stumurray  Thanks - StuThanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Della Barba, Joe via CnC-List]

Me neither for any of my boats.
( I have 3 boats insured with them)

Joe

From: ALAN BERGEN via CnC-List 
Sent: Monday, September 27, 2021 1:11 PM
To: Stus-List 
Cc: ALAN BERGEN 
Subject: [EXTERNAL] Stus-List Re: Insurance

They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed.

Matt Wolford
1976 C&C 42 Custom

From: Glenn Henderson via CnC-List 
mailto:cnc-list@cnc-list.com>>
Sent: Saturday, September 25, 2021 10:57 AM
To: Stus-List mailto:cnc-list@cnc-list.com>>
Cc: Glenn Henderson mailto:ghe...@gmail.com>>
Subject: Stus-List Re: Insurance

Did they require a full survey?

Glenn and Lindsey Henderson
C&C 41
WeGo

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

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

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://www.paypal.me/stumurray<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   
https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$<https://urldefense.com/v3/__https:/www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
   Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[ALAN BERGEN via CnC-List]

They didn't ask me for a survey.
Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR



On Mon, Sep 27, 2021 at 9:48 AM Matthew via CnC-List 
wrote:

> When I switched to Progressive this year, I was told that the underwriting
> department would review the application and decide if a survey was needed.
> After reviewing the application, they decided a survey was not needed.
>
>
>
> Matt Wolford
>
> 1976 C&C 42 Custom
>
>
>
> *From:* Glenn Henderson via CnC-List 
> *Sent:* Saturday, September 25, 2021 10:57 AM
> *To:* Stus-List 
> *Cc:* Glenn Henderson 
> *Subject:* Stus-List Re: Insurance
>
>
>
> Did they require a full survey?
>
>
>
> Glenn and Lindsey Henderson
>
> C&C 41
>
> WeGo
>
>
>
> On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a check,
> I asked Progressive for a quote. Their price for the same amount of
> insurance was $487/year. I am now a Progressive customer.
>
>
>
> Alan Bergen
>
> 35 Mk III Thirsty
>
> Rose City YC
>
> Portland, OR
>
>
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray
> <https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$>
> Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!7MqgDHdT_VmgVntkqgpVX2PLoZU-m4LEgxz6ik17i-lnVDTWNuAjh_EHOC7KWmzP91g$
>  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Matthew via CnC-List]

When I switched to Progressive this year, I was told that the underwriting 
department would review the application and decide if a survey was needed.  
After reviewing the application, they decided a survey was not needed.

 

Matt Wolford

1976 C&C 42 Custom

 

From: Glenn Henderson via CnC-List  
Sent: Saturday, September 25, 2021 10:57 AM
To: Stus-List 
Cc: Glenn Henderson 
Subject: Stus-List Re: Insurance

 

Did they require a full survey?

 

Glenn and Lindsey Henderson

C&C 41

WeGo

 

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List mailto:cnc-list@cnc-list.com> > wrote:

I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

 

Alan Bergen

35 Mk III Thirsty

Rose City YC

Portland, OR

 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Korbey Hunt via CnC-List]

Yes. Out of water.

Get Outlook for Android<https://aka.ms/AAb9ysg>

From: Korbey Hunt via CnC-List 
Sent: Saturday, September 25, 2021 11:45:24 AM
To: Stus-List 
Cc: Glenn Henderson ; Korbey Hunt 
Subject: Stus-List Re: Insurance

My problem is my boat is in Mexico and it is 40 years old.  Recent survey value 
was $95k

Get Outlook for 
Android<https://na01.safelinks.protection.outlook.com/?url=https%3A%2F%2Faka.ms%2FAAb9ysg&data=04%7C01%7C%7Ce4af113d64d74ffd00da08d98054ad1e%7C84df9e7fe9f640afb435%7C1%7C0%7C637681923438854482%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=6RF%2F2U5Y5mnye%2B9F7i6rN69fhUM3%2BY2YN0MY3CE9Y%2B0%3D&reserved=0>

From: Glenn Henderson via CnC-List 
Sent: Saturday, September 25, 2021 7:56:37 AM
To: Stus-List 
Cc: Glenn Henderson 
Subject: Stus-List Re: Insurance

Did they require a full survey?

Glenn and Lindsey Henderson
C&C 41
WeGo

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

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

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
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  Thanks - Stu
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send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Korbey Hunt via CnC-List]

My problem is my boat is in Mexico and it is 40 years old.  Recent survey value 
was $95k

Get Outlook for Android<https://aka.ms/AAb9ysg>

From: Glenn Henderson via CnC-List 
Sent: Saturday, September 25, 2021 7:56:37 AM
To: Stus-List 
Cc: Glenn Henderson 
Subject: Stus-List Re: Insurance

Did they require a full survey?

Glenn and Lindsey Henderson
C&C 41
WeGo

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

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

Thanks to all of the subscribers that contributed to the list to help with the 
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  Thanks - Stu
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Stus-List Re: Insurance

[Joel Delamirande via CnC-List]

Chunk does he do Canada too

On Sat, Sep 25, 2021 at 11:11 AM Chuck Gilchrest via CnC-List <
cnc-list@cnc-list.com> wrote:

> I got a “classic boat” policy for my 83 Landfall 35 through Hagerty which
> is underwritten through Essentia Insurance.  This last year they
> automatically increased the loss replacement value due to market changes,
> but the premium increase was nominal (about 2%).  They do have  5 year
> survey requirement that includes a mast down rig inspection.  My surveyor
> is a former C&C owner and differentiates an insurance survey from a
> purchase survey which has kept costs at a reasonable level.  My insurance
> agent is a very accomplished sailor and I have no doubt he’d go to bat for
> me in the event of a serious claim.  Perhaps I’m paying a slight amount
> more by using an agency who gets a commission but I’ve seen my agent out at
> the waterfront at 7am after a named storm passed through, helping secure
> boats and assessing damage and arranging towing.  Worth every cent in my
> opinion.
> Chuck Gilchrest
> S/V Half Magic
> 1983 Landfall 35
> Padanaram,MA
>
> Sent from my iPhone
>
> On Sep 25, 2021, at 10:31 AM, Steve Thomas via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> 
>
>
> That may be true for new policies, or in your location, or something to do
> with your agent, but Progressive refused to write a liability-only policy
> for my 1980 sailboat in central Florida 5 years ago. They put a low
> valuation on the boat and a considerable deductible, which effectively made
> it liability-only, but it still wound up costing over $800 USD per year.
>
> Steve Thomas
>
> C&C36 MKI
>
> Merritt Island, FL
> -- Original Message --
> From: cnc-list@cnc-list.com
> To: cnc-list@cnc-list.com
> Cc: rockybazem...@gmail.com
> Sent: Friday, September 24, 2021 10:23 AM
> Subject: Stus-List Re: Insurance
>
> Just looked into it and Progressive is only liability coverage for boats
> over 20 years old. If your boat gets struck by lighting or sinks you get
> $0. Guess I'll stick with Geico. I got struck by lightning last year and
> they fixed everything. Yes it is expensive. Correct me if I'm wrong.
> Rocky
>
> On Fri, Sep 24, 2021 at 9:47 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> That was why I left Boat US / GEICO in the first place – that whole
>> reduced value to 20% baloney. I switched to Travelers, which had a good
>> policy but dramatically increased its annual premium the last three years.
>> As a result, I’m now with Progressive.
>>
>> I’m the kind of person who likes to find a good policy with reasonable
>> rates and stick with it. For boat insurance, however, it pays to shop
>> around.
>>
>> *From:* David Risch via CnC-List 
>> *Sent:* Friday, September 24, 2021 9:25 AM
>> *To:* Stus-List 
>> *Cc:* Andy Frame  David Risch 
>> *Subject:* Stus-List Re: Insurance
>>
>> Check the fine print. Ask the question. If I lose the mast
>>
>> Sent from my Android. Please forgive typos. Thank you.
>>
>> Thanks to all of the subscribers that contributed to the list to help
>> with the costs involved. If you want to show your support to the list - use
>> PayPal to send contribution -- https://www.paypal.me/stumurray Thanks -
>> Stu
>
> --
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved. If you want to show your support to the list - use
> PayPal to send contribution -- https://www.paypal.me/stumurray Thanks -
> Stu
>
>
>
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu

-- 
Joel Delamirande
*www.jdroofing.ca <http://www.jdroofing.ca>*
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costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Chuck Gilchrest via CnC-List]

I got a “classic boat” policy for my 83 Landfall 35 through Hagerty which is 
underwritten through Essentia Insurance.  This last year they automatically 
increased the loss replacement value due to market changes, but the premium 
increase was nominal (about 2%).  They do have  5 year survey requirement that 
includes a mast down rig inspection.  My surveyor is a former C&C owner and 
differentiates an insurance survey from a purchase survey which has kept costs 
at a reasonable level.  My insurance agent is a very accomplished sailor and I 
have no doubt he’d go to bat for me in the event of a serious claim.  Perhaps 
I’m paying a slight amount more by using an agency who gets a commission but 
I’ve seen my agent out at the waterfront at 7am after a named storm passed 
through, helping secure boats and assessing damage and arranging towing.  Worth 
every cent in my opinion.
Chuck Gilchrest 
S/V Half Magic
1983 Landfall 35
Padanaram,MA

Sent from my iPhone

> On Sep 25, 2021, at 10:31 AM, Steve Thomas via CnC-List 
>  wrote:
> 
> 
> That may be true for new policies, or in your location, or something to do 
> with your agent, but Progressive refused to write a liability-only policy for 
> my 1980 sailboat in central Florida 5 years ago. They put a low valuation on 
> the boat and a considerable deductible, which effectively made it 
> liability-only, but it still wound up costing over $800 USD per year. 
> 
> Steve Thomas
> 
> C&C36 MKI 
> 
> Merritt Island, FL
> 
> -- Original Message --
> From: cnc-list@cnc-list.com
> To: cnc-list@cnc-list.com
> Cc: rockybazem...@gmail.com
> Sent: Friday, September 24, 2021 10:23 AM
> Subject: Stus-List Re: Insurance
> 
> Just looked into it and Progressive is only liability coverage for boats over 
> 20 years old. If your boat gets struck by lighting or sinks you get $0. Guess 
> I'll stick with Geico. I got struck by lightning last year and they fixed 
> everything. Yes it is expensive. Correct me if I'm wrong.
> Rocky
> 
>> On Fri, Sep 24, 2021 at 9:47 AM Matthew via CnC-List  
>> wrote:
>> That was why I left Boat US / GEICO in the first place – that whole reduced 
>> value to 20% baloney. I switched to Travelers, which had a good policy but 
>> dramatically increased its annual premium the last three years. As a result, 
>> I’m now with Progressive.
>> 
>> I’m the kind of person who likes to find a good policy with reasonable rates 
>> and stick with it. For boat insurance, however, it pays to shop around.
>> 
>> From: David Risch via CnC-List  
>> Sent: Friday, September 24, 2021 9:25 AM
>> To: Stus-List 
>> Cc: Andy Frame  David Risch 
>> Subject: Stus-List Re: Insurance
>> 
>> Check the fine print. Ask the question. If I lose the mast
>> 
>> Sent from my Android. Please forgive typos. Thank you.
>> 
>> Thanks to all of the subscribers that contributed to the list to help with 
>> the costs involved. If you want to show your support to the list - use 
>> PayPal to send contribution -- https://www.paypal.me/stumurray Thanks - Stu
> 
> Thanks to all of the subscribers that contributed to the list to help with 
> the costs involved. If you want to show your support to the list - use PayPal 
> to send contribution -- https://www.paypal.me/stumurray Thanks - Stu
> 
> 
> 
> 
> Thanks to all of the subscribers that contributed to the list to help with 
> the costs involved.  If you want to show your support to the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Glenn Henderson via CnC-List]

Did they require a full survey?

Glenn and Lindsey Henderson
C&C 41
WeGo

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List <
cnc-list@cnc-list.com> wrote:

> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a check,
> I asked Progressive for a quote. Their price for the same amount of
> insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[John and Maryann Read via CnC-List]

We have a local agent who focuses on insuring older boats.  5 years ago he 
placed me with New Hampshire which is part of AIG.  Require survey every 5 
years.  Does have mature vessel provision which precludes coverage for fuel 
leaks and propulsion system.  Not an issue for me as recently replaced tank and 
fuel lines.  Does pay for loss caused by these items.  Pays $10/ft for 
emergency haul out for named storm.  Coverage ME to NC.  Winter haul out.  
Premium $474 for coverage

$23K  hull value (based on survey) (2% deductable)

$300Kindemnity

$1K towing

$2.5K personal items

$300Kuninsured boater

$997Kfuel spill liability

 

Pays to shop around

 

 

John 

Legacy III

1982 C&C 34

Noank, CT

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Matthew via CnC-List]

That is not how my Progressive policy reads according to the agent.  I 
specifically reviewed with her what happens if I’m dismasted and a replacement 
mast costs $30K.  I have an agreed upon value of $50K on the boat.  According 
to the agent, the mast will be replaced (minus the deductible, of course).

 

I guess I better look again.

 

 

On Fri, Sep 24, 2021 at 10:23 AM rockland bazemore via CnC-List 
mailto:cnc-list@cnc-list.com> > wrote:

Just looked into it and Progressive is only liability coverage for boats over 
20 years old. If your boat gets struck by lighting or sinks you get $0. Guess 
I'll stick with Geico. I got struck by lightning last year and they fixed 
everything. Yes it is expensive.  Correct me if I'm wrong.

Rocky

 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Riley Anderson via CnC-List]

I think that is more a function of your policy choice. BoatUS won't even
take on new clients with a boat that is more than 20 years old. Most
insurance companies will require a survey if the boat is older, otherwise
they will insure it for ~$10k. With my policy, any damage will be covered
up to the value of the boat ($60k). Yes, the deductible is high, $3000 for
any claim, $6000 if the damage occurs during a named storm, and $0 if the
boat is a total loss. This includes losing the mast, I'd get up to $60k
minus the deductible. Also, my policy has a 100% tow reimbursement with no
deductible.

On Fri, Sep 24, 2021 at 10:23 AM rockland bazemore via CnC-List <
cnc-list@cnc-list.com> wrote:

> Just looked into it and Progressive is only liability coverage for boats
> over 20 years old. If your boat gets struck by lighting or sinks you get
> $0. Guess I'll stick with Geico. I got struck by lightning last year and
> they fixed everything. Yes it is expensive.  Correct me if I'm wrong.
> Rocky
>
> On Fri, Sep 24, 2021 at 9:47 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> That was why I left Boat US / GEICO in the first place – that whole
>> reduced value to 20% baloney.  I switched to Travelers, which had a good
>> policy but dramatically increased its annual premium the last three years.
>> As a result, I’m now with Progressive.
>>
>>
>>
>> I’m the kind of person who likes to find a good policy with reasonable
>> rates and stick with it.  For boat insurance, however, it pays to shop
>> around.
>>
>>
>>
>> *From:* David Risch via CnC-List 
>> *Sent:* Friday, September 24, 2021 9:25 AM
>> *To:* Stus-List 
>> *Cc:* Andy Frame ; David Risch 
>> *Subject:* Stus-List Re: Insurance
>>
>>
>>
>> Check the fine print.   Ask the question.   If I lose the mast
>>
>> Sent from my Android. Please forgive typos. Thank you.
>>
>>
>>
>>
>> Thanks to all of the subscribers that contributed to the list to help
>> with the costs involved.  If you want to show your support to the list -
>> use PayPal to send contribution --   https://www.paypal.me/stumurray
>> Thanks - Stu
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu



-- 
Fair winds and following seas,

Charlotte Freeland & Riley Anderson
SV Freight Train
Middletown, CT USA
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Steve Thomas via CnC-List]

That may be true for new policies, or in your location, or something to 
do with your agent, but Progressive refused to write a liability-only 
policy for my 1980 sailboat in central Florida 5 years ago. They put a 
low valuation on the boat and a considerable deductible, which 
effectively made it liability-only, but it still wound up costing over 
$800 USD per year.

Steve Thomas
C&C36 MKI
Merritt Island, FL
-- Original Message --
   From: cnc-list@cnc-list.com
   To: cnc-list@cnc-list.com
Cc: rockybazem...@gmail.com
   Sent: Friday, September 24, 2021 10:23 AM
   Subject: Stus-List Re: Insurance


Just looked into it and Progressive is only liability coverage for boats 
over 20 years old. If your boat gets struck by lighting or sinks you get 
$0. Guess I'll stick with Geico. I got struck by lightning last year and 
they fixed everything. Yes it is expensive.  Correct me if I'm wrong.

Rocky


On Fri, Sep 24, 2021 at 9:47 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com> > wrote:



That was why I left Boat US / GEICO in the first place – that whole 
reduced value to 20% baloney.  I switched to Travelers, which had a good 
policy but dramatically increased its annual premium the last three 
years.  As a result, I’m now with Progressive.


I’m the kind of person who likes to find a good policy with reasonable 
rates and stick with it.  For boat insurance, however, it pays to shop 
around.



From: David Risch via CnC-List <mailto:cnc-list@cnc-list.com> >

Sent: Friday, September 24, 2021 9:25 AM
To: Stus-List mailto:cnc-list@cnc-list.com> >
Cc: Andy Frame mailto:svmar...@pm.me> > David Risch 
mailto:davidrisc...@msn.com> >

Subject: Stus-List Re: Insurance


Check the fine print.   Ask the question.   If I lose the mast

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




Thanks to all of the subscribers that contributed to the list to help 
with the costs involved.  If you want to show your support to the list - 
use PayPal to send contribution --   https://www.paypal.me/stumurray 
<https://www.paypal.me/stumurray>   Thanks - Stu
 Thanks to all of the subscribers that contributed to the list to help 
with the costs involved.  If you want to show your support to the list - 
use PayPal to send contribution --   https://www.paypal.me/stumurray 
<https://www.paypal.me/stumurray>   Thanks - Stu





Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[rockland bazemore via CnC-List]

Just looked into it and Progressive is only liability coverage for boats
over 20 years old. If your boat gets struck by lighting or sinks you get
$0. Guess I'll stick with Geico. I got struck by lightning last year and
they fixed everything. Yes it is expensive.  Correct me if I'm wrong.
Rocky

On Fri, Sep 24, 2021 at 9:47 AM Matthew via CnC-List 
wrote:

> That was why I left Boat US / GEICO in the first place – that whole
> reduced value to 20% baloney.  I switched to Travelers, which had a good
> policy but dramatically increased its annual premium the last three years.
> As a result, I’m now with Progressive.
>
>
>
> I’m the kind of person who likes to find a good policy with reasonable
> rates and stick with it.  For boat insurance, however, it pays to shop
> around.
>
>
>
> *From:* David Risch via CnC-List 
> *Sent:* Friday, September 24, 2021 9:25 AM
> *To:* Stus-List 
> *Cc:* Andy Frame ; David Risch 
> *Subject:* Stus-List Re: Insurance
>
>
>
> Check the fine print.   Ask the question.   If I lose the mast
>
> Sent from my Android. Please forgive typos. Thank you.
>
>
>
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Matthew via CnC-List]

That was why I left Boat US / GEICO in the first place - that whole reduced
value to 20% baloney.  I switched to Travelers, which had a good policy but
dramatically increased its annual premium the last three years.  As a
result, I'm now with Progressive.

 

I'm the kind of person who likes to find a good policy with reasonable rates
and stick with it.  For boat insurance, however, it pays to shop around.

 

From: David Risch via CnC-List  
Sent: Friday, September 24, 2021 9:25 AM
To: Stus-List 
Cc: Andy Frame ; David Risch 
Subject: Stus-List Re: Insurance

 

Check the fine print.   Ask the question.   If I lose the mast

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

 

 

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[David Risch via CnC-List]

Check the fine print.   Ask the question.   If I lose the mast

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


From: Andy Frame via CnC-List 
Sent: Thursday, September 23, 2021 3:54:40 PM
To: cnc-list@cnc-list.com 
Cc: Andy Frame 
Subject: Stus-List Re: Insurance


Progressive was the *only* company that I found that would write me a
policy. Next step is a a TowBoatUS membership ...

On 9/23/2021 3:48 PM, ALAN BERGEN via CnC-List wrote:
> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a
> check, I asked Progressive for a quote. Their price for the same amount
> of insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>

--
s/v MaryMe
1975 C&C 24
Labelle, FL USA
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send contribution --   
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Stus-List Re: Insurance

[Andy Frame via CnC-List]

Progressive was the *only* company that I found that would write me a
policy. Next step is a a TowBoatUS membership ...

On 9/23/2021 3:48 PM, ALAN BERGEN via CnC-List wrote:
> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a
> check, I asked Progressive for a quote. Their price for the same amount
> of insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>

--
s/v MaryMe
1975 C&C 24
Labelle, FL USA
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send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Riley Anderson via CnC-List]

Same here, BoatUS is an absolute rip-off. My coverage with BoatUS was
$16,000 for $1400/year. With Amica, bundled with my car insurance, my
policy is now $880/year and the boat is covered up to $60,000.

On Thu, Sep 23, 2021 at 3:48 PM ALAN BERGEN via CnC-List <
cnc-list@cnc-list.com> wrote:

> I recently received a renewal notice from GEICO (BoatUS). They said my
> insurance premium was reduced (from $1256 to $1226/year). Just for a check,
> I asked Progressive for a quote. Their price for the same amount of
> insurance was $487/year. I am now a Progressive customer.
>
> Alan Bergen
> 35 Mk III Thirsty
> Rose City YC
> Portland, OR
>
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu



-- 
Fair winds and following seas,

Charlotte Freeland & Riley Anderson
SV Freight Train
Middletown, CT USA
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costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance

[Matthew via CnC-List]

I’m also a Progressive customer.  Less money; better policy.

 

From: ALAN BERGEN via CnC-List  
Sent: Thursday, September 23, 2021 3:48 PM
To: C&C 
Cc: ALAN BERGEN 
Subject: Stus-List Insurance

 

I recently received a renewal notice from GEICO (BoatUS). They said my 
insurance premium was reduced (from $1256 to $1226/year). Just for a check, I 
asked Progressive for a quote. Their price for the same amount of insurance was 
$487/year. I am now a Progressive customer.

 

Alan Bergen

35 Mk III Thirsty

Rose City YC

Portland, OR

 

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costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance survey - surveyors

[John Irvin via CnC-List]

John Morrow @ BYC

Sent from my iPhone

On Jul 5, 2021, at 7:05 PM, Marek Dziedzic via CnC-List  
wrote:


Hi,

All this talk about the surveys, ...

Any recommendations for surveyors around Ottawa, ON?

Thanks

Marek

1994 C270 Legato
Ottawa ON



Sent from my Android-based can on a string


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance survey - surveyors

[Marek Dziedzic via CnC-List]

Hi,

All this talk about the surveys, ...

Any recommendations for surveyors around Ottawa, ON?

Thanks

Marek

1994 C270 Legato
Ottawa ON



Sent from my Android-based can on a string


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costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance survey cost

[Joe Bousquin via CnC-List]

We just paid $20/foot in SF Bay, seemed to be the going rate here. Some were a 
little higher. 

Joe Bousquin
Chico, CA

> On Jul 5, 2021, at 10:10 AM, Doug Mountjoy via CnC-List 
>  wrote:
> 
>  $624 for out of water insurance survey.  Port Townsend EA. 
> 
> 
> 
> Sent from my T-Mobile 4G LTE Device
> 
> Doug Mountjoy
> Port Orchard YC
> Port Orchard,  WA
> sv Rebecca Leah
> 1988 C&C LF39 
> 
> 
>  Original message 
> From: Joel Delamirande via CnC-List 
> Date: 7/5/21 10:06 AM (GMT-08:00)
> To: Stus-List 
> Cc: Joel Delamirande 
> Subject: Stus-List Re: Insurance survey cost
> 
> 
> I paid 600$ in Canada for a 30 foot
> On Mon, Jul 5, 2021 at 12:49 PM Riley Anderson via CnC-List 
> mailto:cnc-list@cnc-list.com>> wrote:
> Hi all,
> 
> Can any listers provide the cost of insurance surveys for boats in the 38' 
> range? I'd like to know what others have paid and if you have recommendations 
> for particular surveyors around Old Saybrook, CT.
> 
> Thanks in advance,
> Riley
> Thanks to all of the subscribers that contributed to the list to help with 
> the costs involved.  If you want to show your support to the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray 
> <https://www.paypal.me/stumurray>  Thanks - Stu
> -- 
> Joel Delamirande
> 
> www.jdroofing.ca <http://www.jdroofing.ca/>
> 
> Thanks to all of the subscribers that contributed to the list to help with 
> the costs involved.  If you want to show your support to the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance survey cost

[Doug Mountjoy via CnC-List]

 $624 for out of water insurance survey.  Port Townsend EA. Sent from my 
T-Mobile 4G LTE DeviceDoug MountjoyPort Orchard YCPort Orchard,  WAsv Rebecca 
Leah1988 C&C LF39 
 Original message From: Joel Delamirande via CnC-List 
 Date: 7/5/21  10:06 AM  (GMT-08:00) To: Stus-List 
 Cc: Joel Delamirande  
Subject: Stus-List Re: Insurance survey cost I paid 600$ in Canada for a 30 
footOn Mon, Jul 5, 2021 at 12:49 PM Riley Anderson via CnC-List 
 wrote:Hi all,Can any listers provide the cost of 
insurance surveys for boats in the 38' range? I'd like to know what others have 
paid and if you have recommendations for particular surveyors around Old 
Saybrook, CT.Thanks in advance,Riley
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu-- Joel 
Delamirande
www.jdroofing.ca
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance survey cost

[Joel Delamirande via CnC-List]

I paid 600$ in Canada for a 30 foot
On Mon, Jul 5, 2021 at 12:49 PM Riley Anderson via CnC-List <
cnc-list@cnc-list.com> wrote:

> Hi all,
>
> Can any listers provide the cost of insurance surveys for boats in the 38'
> range? I'd like to know what others have paid and if you have
> recommendations for particular surveyors around Old Saybrook, CT.
>
> Thanks in advance,
> Riley
> Thanks to all of the subscribers that contributed to the list to help with
> the costs involved.  If you want to show your support to the list - use
> PayPal to send contribution --   https://www.paypal.me/stumurray  Thanks
> - Stu

-- 
Joel Delamirande
*www.jdroofing.ca *
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance for Older Boats

[ssjohnson via CnC-List]

I have a LF38, 1984.i payaround 1,400 annually. For insurance for a 70,000 
agreed value full coverage policy.  Sounds kinda extravagant but I have waaay 
more than that invested.  Only self survey required.  Been with National Marine 
Underwriters since 2006.  No claims ever.Sent from my Verizon, Samsung Galaxy 
smartphone
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send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance for Older Boats

[detroito91--- via CnC-List]

I was referred over to one their sister companies due to age of boat..1987USAA 
does cover newer boats.State farm had great rates also

Sent from the all new AOL app for Android 
 
  On Wed, Jun 23, 2021 at 8:49 AM, Della Barba, Joe via 
CnC-List wrote:
I don’t think USAA covers boats anymore, they sent me over to Progressive. They 
are the best homeowner’s company ever too.
 
  
 
Joe Della Barba
 
Coquina
 
  
 
  
 
From: Dennis C. via CnC-List  
Sent: Tuesday, June 22, 2021 5:01 PM
To: Stus-List 
Cc: Dennis C. 
Subject: [EXTERNAL] Stus-List Re: Insurance for Older Boats
 
  
 
I know this most probably won't help any of you but my one lingering benefit of 
military service is my 47 year USAA membership.  My boat policy dates from when 
I purchased Touche' in 1999.  It is underwritten by USAA, not their partner 
Progressive.  The adjuster was even surprised that it was an old legacy policy. 
 
 
  
 
When Touche' was damaged in Hurricane Sally last year, the policy paid 100% of 
the repairs including haul out.  Once I received the repair estimate from the 
yard, USAA electronically transferred the funds to me within a day or two. 
 
  
 
A buddy of mine had a USAA policy underwritten by Progressive.  His experience, 
while good, wasn't as good as mine.
 
  
 
While I might save a few bucks on my premium by shopping around, I really don't 
think I can beat the coverage.
 
  
 
My point here is don't just shop for low premiums.  Look hard at the coverage.  
Are there deductibles?  Is it new for old?  Is there depreciation involved?  
Does it drop during named storms?  My feeling is marine policies vary 
tremendously. 
 
-- 
 
Dennis C.
 
Touche' 35-1 #83
 
Mandeville, LA
 Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --  https://www.paypal.me/stumurray  Thanks - Stu  
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance for Older Boats

[Steve Thomas via CnC-List]

I guess I was not clear enough in what I wrote.

The liability maximum payout is $300,000.
That is all that I wanted, but they insisted on coverage for my losses 
as well, so I went with the cheapest coverage that they were willing to 
write. So if my boat is wrecked, the most they will pay me is $3,000. If 
my boat is responsible for damage to others, requires removal from a 
shoal, or whatever else (with listed exceptions) that could result in a 
lawsuit, they will cover up to $300,000.
Don't forget that Central Florida is in a high risk area for hurricane 
damage, and liability premiums are not comparable to the Chesapeake.


Steve


   -- Original Message --
   From: cnc-list@cnc-list.com
   To: cnc-list@cnc-list.com
Cc: j...@dellabarba.com
   Sent: Wednesday, June 23, 2021 8:57 AM
   Subject: Stus-List Re: Insurance for Older Boats


That does not make sense to me. You are paying $800 a year for a max 
payout of $3,000  If I went just liability my insurance bill would 
be around $120 a year or so. I would shop around.

Joe


From: Korbey Hunt via CnC-List 
Sent: Tuesday, June 22, 2021 6:49 PM
To: Stus-List 
Cc: Korbey Hunt 
Subject: Stus-List Re: Insurance for Older Boats


Problem is my boat is in Mexico.  Been to Novamar.  No help there.  Boat 
is being hauled for survey next month.


Get Outlook for Android <https://aka.ms/AAb9ysg>



From: Steve Thomas via CnC-List <mailto:cnc-list@cnc-list.com> >

Sent: Tuesday, June 22, 2021 2:07:40 PM
To: cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com> 
mailto:cnc-list@cnc-list.com> >

Cc: Steve Thomas mailto:sthom...@bellnet.ca> >
Subject: Stus-List Re: Insurance for Older Boats



I just today paid the annual $1,000,000 CAD liability-only premium for 
my 1978 C&C27 on the Canadian side of Lake Erie. It was $70.20 CAD. 
Desjardins Insurance, which bought out State Farm here a few years ago.


The 1980 C&C36 in Central Florida on the other hand, costs over $800.00 
US for 300,000 US liability with Progressive. That is with the hull 
valued at 5,000 and a 2,000 dollar deductible. (I know, but for some 
reason, they would not write me a liability-only policy. Without the 
deductible, the premium would have been over $1,200.00 US. They refused 
to write a liability-only policy ostensibly because I live out of 
state.)

Your mileage may vary.

Thanks to all of the subscribers that contributed to the list to help 
with the costs involved.  If you want to show your support to the list - 
use PayPal to send contribution --   https://www.paypal.me/stumurray 
<https://www.paypal.me/stumurray>   Thanks - Stu





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costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Re: Insurance for Older Boats

[Joe Della Barba via CnC-List]

That does not make sense to me. You are paying $800 a year for a max payout
of $3,000  If I went just liability my insurance bill would be around
$120 a year or so. I would shop around.

Joe

 

From: Korbey Hunt via CnC-List  
Sent: Tuesday, June 22, 2021 6:49 PM
To: Stus-List 
Cc: Korbey Hunt 
Subject: Stus-List Re: Insurance for Older Boats

 

Problem is my boat is in Mexico.  Been to Novamar.  No help there.  Boat is
being hauled for survey next month.

Get Outlook for Android <https://aka.ms/AAb9ysg> 

 

  _  

From: Steve Thomas via CnC-List mailto:cnc-list@cnc-list.com> >
Sent: Tuesday, June 22, 2021 2:07:40 PM
To: cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com>
mailto:cnc-list@cnc-list.com> >
Cc: Steve Thomas mailto:sthom...@bellnet.ca> >
Subject: Stus-List Re: Insurance for Older Boats 

 

 

I just today paid the annual $1,000,000 CAD liability-only premium for my
1978 C&C27 on the Canadian side of Lake Erie. It was $70.20 CAD. Desjardins
Insurance, which bought out State Farm here a few years ago. 

The 1980 C&C36 in Central Florida on the other hand, costs over $800.00 US
for 300,000 US liability with Progressive. That is with the hull valued at
5,000 and a 2,000 dollar deductible. (I know, but for some reason, they
would not write me a liability-only policy. Without the deductible, the
premium would have been over $1,200.00 US. They refused to write a
liability-only policy ostensibly because I live out of state.)

Your mileage may vary.

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu