Boats For Sale:
Insurance check... |
Post Reply 
|
| Author | |
ultrarunner 
Platinum Member 
Joined: October-02-2005 Location: Ridgefield, Ct. Status: Offline Points: 1846 |
 Post Options
 Thanks(0)
 Quote Reply
 Topic: Insurance check...Posted: August-29-2020 at 11:31am |
|
Just doing a check:
‘96 SN GT-40. Boat is stock with exception of Stargazer PP. Agreed value boat 12k Agreed value trailer 1.5k Towing, road side, etc. $500 ded. $384.00 annually. In reviewing, Isee I have no personal effects coverage. So approx 4K needed there when you factor in skis, barefoot boom, sky-high pole, custom cover and misc. “stuff”. My thoughts are I’m likely at a good number for the boat, way low on the trailer by half, and need to add for gear. Thoughts? Thanks. |
|
 |
|
|
Jonny Quest
Grand Poobah 
Joined: August-20-2013 Location: Utah--via Texas Status: Online Points: 2979 |
Post Options
Thanks(0)
Quote Reply
Posted: August-29-2020 at 3:07pm |
|
Reasonable rates and coverage to my view.,,but that is without knowing what your policy limits are...
JQ
|
|
|
Current
2003 Ski Nautique 206 Limited Previous 2001 Ski Nautique Open Bow 1994 Ski Nautique Open Bow Aqua skiing, ergo sum |
|
|
|
|
TRBenj
Grand Poobah
Joined: June-29-2005 Location: NWCT Status: Offline Points: 21186 |
Post Options
Thanks(0)
Quote Reply
Posted: August-29-2020 at 5:30pm |
|
Liability limits will far and away the most costly piece of the premium. Without knowing your limits, it’s impossible to say if your cost is moderately high vs extremely high. I carry pretty high limits with similar replacement value and pay considerably less fwiw.
|
|
|
|
|
ultrarunner
Platinum Member
Joined: October-02-2005 Location: Ridgefield, Ct. Status: Offline Points: 1846 |
Post Options
Thanks(0)
Quote Reply
Posted: August-29-2020 at 5:44pm |
|
Yep, excellent points:
$100,000 boating (body/property) $100,000 uninsured boater $900,000 environmental Likely low on the first two. As litigious as we are, likely low on the first two;-) |
|
|
|
|
TRBenj
Grand Poobah
Joined: June-29-2005 Location: NWCT Status: Offline Points: 21186 |
Post Options
Thanks(0)
Quote Reply
Posted: August-29-2020 at 6:42pm |
|
Yeah a bit low imho. Premium looks quite high.
|
|
|
|
|
ultrarunner
Platinum Member
Joined: October-02-2005 Location: Ridgefield, Ct. Status: Offline Points: 1846 |
Post Options
Thanks(0)
Quote Reply
Posted: August-29-2020 at 7:54pm |
|
Thanks Tim.
|
|
|
|
|
93/70 ccpb
Senior Member 
Joined: March-05-2006 Location: United States Status: Offline Points: 448 |
Post Options
Thanks(0)
Quote Reply
Posted: August-30-2020 at 8:52am |
|
ski safe around 275 for a 93
|
|
|
what you dont want to hear from jbear and bill.you cant get in the boat till you get your minute,and they throw you back in water!
|
|
|
|
|
frozenskier
Groupie 
Joined: September-19-2011 Location: northern ny Status: Offline Points: 102 |
Post Options
Thanks(0)
Quote Reply
Posted: September-02-2020 at 9:42am |
|
Sounds high. I have an 09 SN 196. $30K boat $2K trailer, $500,000 Liability and Uninsured Boaters Liability. $500 deductible for $311/yr. If you have a Homeowners or renters policy a lot of your Personal Property will have coverage when in the boat or anywhere else you take them. Subject to whatever limitations/exclusions on the policy. Call your Ins Co & find out. You may not need to have the $4K covered on the boat policy, possibly only things like the Sky-lon & boom, etc.
|
|
|
|
|
AAM196
Gold Member
Joined: October-23-2012 Location: Pittsburgh, PA Status: Offline Points: 846 |
Post Options
Thanks(0)
Quote Reply
Posted: September-02-2020 at 7:04pm |
|
Call Boat US... I pay $168 per year.
Valued at $17,300 boat and trailer 300k liability 300k uninsured boater 950k spills/enviro lot of other boater perks (more for larger vessels) with Boat US... cover towing up to $250 per occurrence.. more can be purchased for cheap. Make sure you tell them you took a boater safety coarse (boat us has an online course), if you have Geico auto etc. If you need/want more liability, look for an Umbrella policy. For $250-$300 a year, you can have a $1M additional liability over everything (homes, cars, boats, motorcycles, etc)... even drop the liability on auto to supplement the cost of this. For me it was $270... but trimming the liability on auto to $100k... I saved $150 a year on auto....so it really cost me $120 for the extra coverage... Ok... I sound like my dad talking... |
|
|
|
|
Post Reply
|
|
Tweet
|
| Forum Jump | Forum Permissions You cannot post new topics in this forum You cannot reply to topics in this forum You cannot delete your posts in this forum You cannot edit your posts in this forum You cannot create polls in this forum You cannot vote in polls in this forum |
Topic Options