I did a lot of shoping, American Family and boat us were about tie for price for the same covarge,but boat us wanted a survay,american family did not,so I went with af and saved the survay charge,boat us does not have to have survay on newer boats.
I've dealt with State Farm insurance for something like 30 years, so they give me a pretty good rate on the boat.
If I could, I'd make Erin Esurance my new agent though. Not because I need a new policy (not sure they insure boats anyway) but because I'm strangely attracted to her and can't seem to take my eyes off of her every time she's on TV.
We had State Farm for our previous boat since they ahve our trucks and house as well. They balked at the value of our current boat though and gave an outrageous estimate. My agent said they don't like to ensure boats over a certain amount .. he did not share what that amount was.
Our current policy is with National Marine Underwriters.
figure out where you're gonna boat, and find a policy that fits. On the Hudson river here in NY, I had Boat US for years, as we did most of our boating inland (north of the GW Bridge). But with the new boat, we wanted to add coastal coverage to the inland policy - to add this to our boat US policy was outragous $$$ - Travellers' seemed to have the best rates.
Shop around - I think you'll be suprized in the variation in rates and coverage.
I had Ski Safe for a while and I had no problems with them.
Once I took my foot off the accelerator of my car (didn't have any major speeding tickets for three years), I moved in to Allstate Indemnity Insurance. It is the old fart's division of Allstate. At that point they would insure my boat and the rates were cheaper than Ski Safe. When I was in the high risk division of Allstate they would not insure my boat.
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