So I don't know what kind of crack they are on at BoatUS but it must be some good stuff. I went to their page and filled out a request for an insurance quote. They mail me a quote that is just for liability only. I call up and ask if they can do full coverage and they want over 2K a year for full coverage on a 30k sailboat that is only sailed in the intracoastal waterway.
So fine I will take the risk and not have full coverage on my boat. I call them up and say I want the liability only policy. They say "you haven't sent in a recent copy of your survey with the boat hauled out." I tell them that no one said I needed that and I can't believe that they would need that for a liability only policy. They put me through to the underwriter who is pretty rude and says they have to have it even for the liability only. So I say "thank you very much, I am not going to do business with your company". I now have a liability only policy from Progressive. It cost a little more than what BoatUS wanted but no survey or other crap needed. Funny thing is that the full coverage policy from Progressive would only be $1400 a year. Still a lot of money. Anyway some friends at work and I were speculating at what the condition of the boat has to do with liability and decided that they must be worried that if the boat sinks and there is a diver under the boat when it sinks they might have to pay for the divers death or injury. It's getting tougher and tougher to get insurance for anything these days. Vern s/v nirvelli
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