Interesting (albeit unfortunate) investigation on your ins options.
I changed to Progressive to alleviate the Geico demands which would have rivaled more than 50% of my boat’s value. Maybe more.
I spoke w the surveyor about it yesterday and he agreed - they really never read his findings+recommendations. Just wanted every small thing repaired / replaced like a new boat coming off the production line.
Sent from my iPhone
On Mar 19, 2026, at 7:04 AM, Brian Davis via CnC-List <[email protected]> wrote:
This has been a great thread to read with a lot of really good experiences shared. Thank you!
I just renewed my policy on Nina with Geico Marine. I've had this policy for 10 yrs with no claims and the 25% per year vanishing deductible vanished 6 yrs ago. This year they required a survey. Fortunately, a year ago a potential buyer had a survey performed but I never received a copy. So, I contacted that surveyor and he sold it to me for $100. It was a great survey. He kindly modified the date to be February this year. It valued Nina more than what the currently agreed value has been on the policy. Geico quickly renewed the policy.
I was very intrigued by Richard's mention of adding a rider to a homeowners policy. I am also a USAA member so I called them. They transferred me around twice and the result was not enough personal property coverage to be worth it, plus it would not include liability. I think the reason is because the boat is in Florida. The USAA agent then transferred me over to Progressive who underwrites boat policies for them in this state, and still getting the USAA discounts. Their quote with the same policy parameters ended up quoting $250 more per year, and the vanishing deductible of the same 25% per year reduction would essentially reset for my scenario making it not worth it to switch carriers.
Fair winds,
Brian
s/v Nina
1980 C&C Landfall 38
On Wed, Mar 18, 2026 at 10:09 PM Don Kern via CnC-List <[email protected]> wrote:
Dennis
GEICO also required that i get survey by Feb. 11th to re-insure my
1974 C&C 35. After I got the new policy, which raised my rate
and placed the boats value below the survey's median value, I drop
Geico. Using the same survey, the boat is now insured with
USAA/Markel at a significantly lower premium at a value slightly
above the surveyor's median but also above GEICO's value that it had
been insured for the last 8 years.
Don Kern Fireball, C&C 35 Mk2
Bristol, RI
On 3/18/2026 11:52 AM, Dennis C. via
CnC-List wrote:
Several boat owners in my area use smaller independent
insurers. Check around. You don't necessarily have to go
with one of the "big" companies.
Unfortunately not available to all but Touche' is insured
through USAA. My policy is actually a legacy policy
underwritten by USAA itself. I think USAA now uses
Progressive which might be a slight recommendation for
Progressive. So, my point is to get a quote from
Progressive.
--
Dennis C.
Touche' 35-1 #83
Mandeville, LA
On Wed, Mar 18, 2026 at
9:19 AM Thomas Perison via CnC-List <[email protected]>
wrote:
Good
morning all -
I know this isn’t a new topic, but given the semi-recent
requirement for V & C independent surveys for insurance,
I’m shopping for an alternative to Geico.
Recently received instructions from them to completely open
up / “repair” about 4’ of my stbd topside due to a somewhat
higher moisture reading. Even the surveyor said it wasn’t an
issue.
I could go on belly-aching about other ‘directives’ from
them, but suffice to say am looking for your collective
wisdom …and other companies !
V/R
Tom
Therapy
1984 29-2
Buffalo NY
November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated.
November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated.
--
Brian Davis Restorative CFO
Bringing financial clarity, stability, and confident decision-making
November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated.
November is the time of the year when my Internet bills come in. It's also the
time when you can show your appreciation of this list and the C&C Photo Album.
Please help by making a small contribution using PayPal at:
https://www.paypal.com/paypalme/stumurray All contributions are greatly
appreciated.
