fishing boat insurance....how much?

[snowb67891]

i just recently bought a 1963 14' searay with a 45 horse power mercury engine and a 5 horsepower jc penny kicker. how much do you think per month i would be looking at spending for basic coverage? and what insurance place in washington state would be the best?

 

[ajp]

Re: fishing boat insurance....how much?

I have BoatUS insurance for a 1999 Glastron ski boat with a 4.3 Mercruiser engine. $157.00 per year. <br /><br />Not sure why you would want to insure a 38 year old boat unless it is a collectors item. But then it would probably be cheap.<br /><br />Arlan

 

[Pursuit2150]

Re: fishing boat insurance....how much?

On an older boat it is more important to get liability insurance,in order to avoid a suit for any damage you cause.If the boat was stolen can you afford the loss?

 

[Sea Mitch]

Re: fishing boat insurance....how much?

Did a little research on this. I came up with BoatU.S. as the cheapest also.

 

[PeeWee]

Re: fishing boat insurance....how much?

Boat/us 900.00- same coverage with statefarm 400.00-on a 26'

 

[Mike M2]

Re: fishing boat insurance....how much?

My 2355 cierra runs $230 a year with BoatUS. They were almost the same as State Farm for me, but they do include Membership at BoatUS.

 

[EVMIII]

Re: fishing boat insurance....how much?

I ended up with St Paul via West Marine. They were slightly less expensive for my boat (1985 Wellcraft 248 Offshore). Depending on your needs, be sure to look for an agreed upon value policy with a boat that old, otherwise they will depreciate it to nothing. Like stated above, you are probably most interested in liability. Good luck, happy boating.

 

[snowb67891]

Re: fishing boat insurance....how much?

ok yeah i want to get the insurance like if my boat in the future falls off the trailer and theres a accident or like if theres a boating accident or some one steals any of my stuff or my boat.. so i dont like get sued and loose everything.

 

[snowb67891]

Re: fishing boat insurance....how much?

and does boatus have a web site?

 

[Pursuit2150]

Re: fishing boat insurance....how much?

www.boatus.com

 

[Ranger354]

Re: fishing boat insurance....how much?

Alot has to do with motor size and type of boat. $23.50 a month for my Ranger. That is full coverage on boat, motor, trailer, and equipment.

 

[snowb67891]

Re: fishing boat insurance....how much?

ok i have requested a estimate should i try full coverage or basic insurance? for a boat as old as mine?

 

[Ranger354]

Re: fishing boat insurance....how much?

Would 1 years worth of full coverage cost as much as the boat? Go with liability for sure.

 

[FISH'N101]

Re: fishing boat insurance....how much?

Howdee snowb67891 <br />I am an insurance agent in Washington for many years. Most boats like the one you have described are priced out by the current market value you place on it. The price per hundred is usually determined by type of boat, year, length & horsepower, inboard, outboard etc. I recommend you try & insure your boat with the company that has your auto & or home if the prices are reasonable. My company gives a nice discount on your boat if we insure your home. I priced out a boat similar to what you have described with a value of $2,000 for boat motors & trailer (with home discount) annual cost 47.00 a year. Same boat at 4,000 value $60.00 both examples include a 100,000 liability and some accessory coverage as well.<br />While it's not always possible most companies value an insured that tries to have all their business with one company. Different companies do things differently of course. <br /><br />I hope this has been somewhat helpful.