Stus-List Insurance

[Bill Coleman via CnC-List]

Just got this in a newsletter from the local broker, it does a little more
Plain 'Splainin on the subject of boat insurance.

<< At the YBAAU, we had an excellent presentation by Bob Peck of Triton
Marine Insurance. If you currently own a boat, you almost certainly noticed
a sizable increase in your premium this year. That said, marine insurance
is not as expensive as most people expect it to be, but the rub is
obtaining coverage in the first place. The whole insurance industry took an
$118,000,000,000 loss due to Hurricane Ian, and this catastrophic loss had
a wide ranging impact across the industry. Four large companies failed, and
there are fewer markets for your agent to place your coverage with.

Four main areas the underwriters look for when a customer is looking for
insurance are location of use, age of vessel, owner experience, and the
“10-foot rule.”

   -

   Florida has become a very difficult place to obtain coverage, and so has
   the Caribbean. If you can get coverage at all you need a storm plan, along
   with other stipulations.
   -

   The age of the vessel is also a key criterion, the older the boat the
   more difficult it is to obtain insurance.
   -

   Owner experience was always an issue, but until recently it was rarely
   an obstacle to coverage; it was more a pricing factor. Now brokers need to
   work with their agents to develop a plan to cover new owners who have
   little to no prior boating experience. A package containing training is
   usually required.
   -

   Finally the “10-foot rule” means the companies normally do not want an
   owner to move to a larger boat that is more than 10 feet larger that the
   one they currently own. A customer who currently has a 17-foot center
   console runabout is unlikely to get coverage for a 40-foot boat for
   example. Often they are requiring that a captain be aboard for a specified
   period of time while the owners gain the requisite skill and experience.
   -

   Other problem insurance risks are liveaboards and houseboats. The larger
   and more expensive the boat, the more these rules come into play.
   -

   Here at RCR we have been fortunate, through long-established
   relationships with marine insurance specialists, to get our customers
   covered but it has not always been quick and easy. Our suggestion is that
   if you presently have coverage, don’t think of moving to another carrier to
   save a few bucks, be satisfied that you have a policy.

<<
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me pay the associated bills.  Make a contribution at:
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Stu

Stus-List Insurance for larger boat - 15 foot increase maximum?

[Dennis C. via CnC-List]

This is strange.  I was chatting with a friend who is looking for a larger
boat (power).  He said a couple of insurance representatives and a
knowledgeable broker told him he could not get insurance for a boat more
than 15 feet longer than his existing boat unless he has a master's
license.  Anybody else heard that?

Can't seem to find an answer on the internet.  And how does one buy a first
boat if it's long?

He's okay because he is only moving from 23 feet to 37 feet.  He has taken
the Power Squadron course and said that didn't matter.

-- 
Dennis C.
Touche' 35-1 #83
Mandeville, LA
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Insurance - again

[Joel Aronson via CnC-List]

Happy New Year!

I've been looking for insurance to cover our boat in the Caribbean and Med.

READ THE POLICY BEFORE YOU BUY!

I got what I thought was a good quote through a British broker until I read
that the value of the mast decreased by 5% per year - i.e. a 20 year old
mast was not insured.

Joel
Rule One Hylas 49
Former owner The Office C 35/3
Please show your appreciation for this list and the Photo Album site and help 
me pay the associated bills.  Make a contribution at:
https://www.paypal.me/stumurray
Thanks for your help.
Stu

Stus-List Insurance on boat in abc islands or Grenada ?

[Dave S via CnC-List]

Hi all, looking to purchase my next boat and am wondering if someone can 
recommend an insurer?   I am in Canada, the boat would be either on the hard or 
a mooring in a warm place…. 
Thanks!

Dave 33-2 windstar 

Sent from my iPhone
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contribution at:
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Stus-List Insurance... what is to much?

[Brian Davis via CnC-List]

I have an insurance question for my fellow C'ers. My wife and I bought
Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
since for an insured value of $30k with a vanishing deductible that is now
zero. I have since restored her to about 95% and tracked all my receipts in
a spreadsheet totalling $45k. We are very happy with the result and the
only remaining 2 projects are a dodger/bimini and replacing the side plexi
windows.

I inquired with Geico Marine about increasing the coverage from $30k to
$70k. I would first need to pay for a surveyor to inspect and write a
report (I don't know how much this is). Then my rate would go from $1,759
to $2,372 per year.

I know this is a sliding scale based on the condition of each boat, and I'm
cool with the money I've put into her so far since we love her. Nearly all
of it is parts cost only because I am a skilled craftsman. Is $70k to much
insurance, and is $2,372 to much to pay for it?

Would appreciate any thoughts and advice.

Regards,
Brian

Stus-List Insurance

[ALAN BERGEN via CnC-List]

I recently received a renewal notice from GEICO (BoatUS). They said my
insurance premium was reduced (from $1256 to $1226/year). Just for a check,
I asked Progressive for a quote. Their price for the same amount of
insurance was $487/year. I am now a Progressive customer.

Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Insurance survey cost

[Robert Abbott via CnC-List]

Riley,

I had my 32 surveyed for insurance on the hard in October 2020 for 
$12/ft.total bill with taxes was $442.


Rob Abbott
AZURA
C 32 - 84
Halifax, N.S.

On 2021-07-05 1:49 p.m., Riley Anderson via CnC-List wrote:

Hi all,

Can any listers provide the cost of insurance surveys for boats in the 
38' range? I'd like to know what others have paid and if you have 
recommendations for particular surveyors around Old Saybrook, CT.


Thanks in advance,
Riley

Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu


Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Insurance survey cost

[Riley Anderson via CnC-List]

Hi all,

Can any listers provide the cost of insurance surveys for boats in the 38'
range? I'd like to know what others have paid and if you have
recommendations for particular surveyors around Old Saybrook, CT.

Thanks in advance,
Riley
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Insurance for Older Boats

[David Morris via CnC-List]

In the course of jumping through hoops imposed by our insurance carrier for
our 1975 C 30 MK1, I had an email from a senior VP with Gallagher
Skipper's Plan that says, in part: "In the today's market it is extremely
difficult to find insurers willing to write sailboats over 40 years old.
These boats have a high incidence of fires, rigging failures, pulled
chainplates, and rudder failures and are considered high risk. Five
insurance companies have stopped offering quotes for sailboats over 30 and
the few that will offer it are very picky." This, of course, is highly
concerning. Any recommendation for a carrier that is more favourably
inclined to cover an older boat would be most appreciated.

David Morris



-- 
This email has been checked for viruses by Avast antivirus software.
https://www.avast.com/antivirus
Thanks to all of the subscribers that contributed to the list to help with the 
costs involved.  If you want to show your support to the list - use PayPal to 
send contribution --   https://www.paypal.me/stumurray  Thanks - Stu

Stus-List Insurance salvage rider

[Dennis C.]

A couple of my fellow boat owners lost their boats in Hurricane Sally.  One
sank in a marina.  One ended up on the lawn of a wedding reception venue.
Both will require a significant salvage effort.

One of the owners was unaware that the insurance provider will deduct the
cost of the salvage from his settlement.  Review your policy for salvage
coverage.  You may want to explore a salvage rider.
-- 
Dennis C.
Touche' 35-1 #83
Mandeville, LA
___

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Re: Stus-List Insurance Provider?

[Matthew via CnC-List]

Dean:

We have had extensive discussions on this list about the Boat US 
(GEICO) policy that contains a provision greatly reducing the value of things 
like masts on older boats.  Steer clear of such policies for a 1980 boat.  
Because of this, I ended going with Travelers, which was helpful and responsive.

Matt
1976 C 42 Custom 

-Original Message-
From: CnC-List  On Behalf Of Dean McNeill via 
CnC-List
Sent: Tuesday, August 11, 2020 8:55 PM
To: cnc-list@cnc-list.com
Cc: Dean McNeill 
Subject: Stus-List Insurance Provider?

I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider. 

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean


___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Stus-List Insurance provider

[Adam via CnC-List]

DeanI am in Pictou.  My previous insurer didn't want to renew because of the age of the boat.   My agent found another insurer pretty quick.   Try AA Munro out if Antigonish. I deal with Kim.  I should mention though  that one of the perils not covered was damage caused by nuclear waste or weapons.   I was ok with that risk.I don't have her contact details as we are currently sailing back from the Bras D'Or lakes after a 2 week cruise.Adam HaydenC 36 State of BlissPictou NS___

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Re: Stus-List Insurance Provider?

[Hoyt, Mike via CnC-List]

That is a common name in the area.  There are a lot of people of German descent 
in the area I believe

Mike

-Original Message-
From: CnC-List  On Behalf Of Matthew via CnC-List
Sent: August 12, 2020 11:25 AM
To: cnc-list@cnc-list.com
Cc: Matthew 
Subject: Re: Stus-List Insurance Provider?

Her last name is "Whynot"?  Really?

-Original Message-
From: CnC-List  On Behalf Of Hoyt, Mike via 
CnC-List
Sent: Wednesday, August 12, 2020 9:16 AM
To: 'cnc-list@cnc-list.com' 
Cc: Hoyt, Mike 
Subject: Re: Stus-List Insurance Provider?

Dean

Try MCTI in Bridgewater.  They have several alternative marine providers.  I 
use Intact thru MCTI for the past few seasons and they were EXTREMELY SLOW in 
sending out renewals and other documents.  I think this is a Covid thing.  I 
have been working with April Whynot at MCTI

Hope this helps

Mike Hoyt
Persistence
Halifax, NS
www.hoytsailing.com



-Original Message-
From: CnC-List  On Behalf Of Dean McNeill via 
CnC-List
Sent: August 11, 2020 9:55 PM
To: cnc-list@cnc-list.com
Cc: Dean McNeill 
Subject: Stus-List Insurance Provider?

I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider. 

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray



___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Provider?

[Matthew via CnC-List]

Her last name is "Whynot"?  Really?

-Original Message-
From: CnC-List  On Behalf Of Hoyt, Mike via 
CnC-List
Sent: Wednesday, August 12, 2020 9:16 AM
To: 'cnc-list@cnc-list.com' 
Cc: Hoyt, Mike 
Subject: Re: Stus-List Insurance Provider?

Dean

Try MCTI in Bridgewater.  They have several alternative marine providers.  I 
use Intact thru MCTI for the past few seasons and they were EXTREMELY SLOW in 
sending out renewals and other documents.  I think this is a Covid thing.  I 
have been working with April Whynot at MCTI

Hope this helps

Mike Hoyt
Persistence
Halifax, NS
www.hoytsailing.com



-Original Message-
From: CnC-List  On Behalf Of Dean McNeill via 
CnC-List
Sent: August 11, 2020 9:55 PM
To: cnc-list@cnc-list.com
Cc: Dean McNeill 
Subject: Stus-List Insurance Provider?

I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider. 

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray



___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Provider?

[Hoyt, Mike via CnC-List]

Dean

Try MCTI in Bridgewater.  They have several alternative marine providers.  I 
use Intact thru MCTI for the past few seasons and they were EXTREMELY SLOW in 
sending out renewals and other documents.  I think this is a Covid thing.  I 
have been working with April Whynot at MCTI

Hope this helps

Mike Hoyt
Persistence
Halifax, NS
www.hoytsailing.com



-Original Message-
From: CnC-List  On Behalf Of Dean McNeill via 
CnC-List
Sent: August 11, 2020 9:55 PM
To: cnc-list@cnc-list.com
Cc: Dean McNeill 
Subject: Stus-List Insurance Provider?

I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider. 

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Provider?

[Josh Muckley via CnC-List]

*Amanda Lizon, AMIM | Marine Account Manager*

Gowrie Group | A division of Risk Strategies

aman...@gowrie.com

p: 860.399.2801 | f: 860.399.3615

70 Essex Rd, Westbrook, CT 06498

www.gowrie.com

On Wed, Aug 12, 2020, 07:46 David Risch via CnC-List 
wrote:

> My broker is great Kevin Malloy (339) 933 0666
>
> Sent from my Android. Please forgive typos. Thank you.
>
> --
> *From:* CnC-List  on behalf of Ken Heaton
> via CnC-List 
> *Sent:* Wednesday, August 12, 2020 7:19:23 AM
> *To:* cnc-list 
> *Cc:* Ken Heaton 
> *Subject:* Re: Stus-List Insurance Provider?
>
> We have a Cowan Policy through MCT Insurance in Yarmouth, NS.  Giving them
> a call wouldn't hurt?
>
>
> https://www.cowangroup.ca/home/personal-insurance/home-property/boat-insurance/
>
>
> *Felicity Hobbs | CAIB*
>
> Personal Lines Retention  |  *MCT Insurance – a Division of BrokerLink*
>
> T: 902-742-3531 ext. 45642  |  F: 902-742-5822  |  felicity.ho...@mcti.ca
>
> Brokerlink Inc.  |  396 Main Street, Suite 100, Yarmouth, NS B5A 1E9
>
> Branch hours: Mon-Fri: 8:30 am-5:00 pm
>
> Extended calling hours: Mon-Fri:  8 am-8 pm, Sat: 9am–4 pm
>
> Visit us online: *BrokerLink.ca <http://www.brokerlink.ca/>*  [image:
> cid:image016.jpg@01D5C493.70113470] <https://www.facebook.com/BrokerLink> 
> [image:
> cid:image017.jpg@01D5C493.70113470] <https://twitter.com/BrokerLinkCA> [image:
> cid:image018.jpg@01D5C493.70113470]
> <https://www.instagram.com/brokerlinkca> [image:
> cid:image019.jpg@01D5C493.70113470]
> <https://www.linkedin.com/company/brokerlink> [image:
> cid:image020.jpg@01D5C493.70113470]
> <https://www.youtube.com/channel/UCKdtPhkE78WAF7dP3B_UNjw>
>
> On Tue, 11 Aug 2020 at 21:56, Dean McNeill via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> I‘m in process of purchasing a 1980 C 34 but I’m being held up by
> insurance provider.
>
> My broker (specializing in marine insurance) has sent the clean survey and
> all details to the insurance provider. Was supposed to be 2 days for
> approval… it’s now stretching into 4 days and we can’t get a response from
> provider. I can’t do a deal unless I know I can get vessel insured. Any
> insurers/brokers that you think are great and responsive so I can get this
> deal done?
>
> A little leery of trying the online quote-and-go options but maybe I
> should? Any good redo’s?
>
> I’m in Halifax, Nova Scotia if that matters.
>
> Dean___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Provider?

[David Risch via CnC-List]

My broker is great Kevin Malloy (339) 933 0666

Sent from my Android. Please forgive typos. Thank you.


From: CnC-List  on behalf of Ken Heaton via 
CnC-List 
Sent: Wednesday, August 12, 2020 7:19:23 AM
To: cnc-list 
Cc: Ken Heaton 
Subject: Re: Stus-List Insurance Provider?

We have a Cowan Policy through MCT Insurance in Yarmouth, NS.  Giving them a 
call wouldn't hurt?

https://www.cowangroup.ca/home/personal-insurance/home-property/boat-insurance/


Felicity Hobbs | CAIB

Personal Lines Retention  |  MCT Insurance – a Division of BrokerLink

T: 902-742-3531 ext. 45642  |  F: 902-742-5822  |  
felicity.ho...@mcti.ca<mailto:felicity.ho...@mcti.ca>

Brokerlink Inc.  |  396 Main Street, Suite 100, Yarmouth, NS B5A 1E9

Branch hours: Mon-Fri: 8:30 am-5:00 pm

Extended calling hours: Mon-Fri:  8 am-8 pm, Sat: 9am–4 pm

Visit us online: BrokerLink.ca<http://www.brokerlink.ca/>  
[cid:image016.jpg@01D5C493.70113470] <https://www.facebook.com/BrokerLink>  
[cid:image017.jpg@01D5C493.70113470] <https://twitter.com/BrokerLinkCA>  
[cid:image018.jpg@01D5C493.70113470] <https://www.instagram.com/brokerlinkca>  
[cid:image019.jpg@01D5C493.70113470] 
<https://www.linkedin.com/company/brokerlink>  
[cid:image020.jpg@01D5C493.70113470] 
<https://www.youtube.com/channel/UCKdtPhkE78WAF7dP3B_UNjw>

On Tue, 11 Aug 2020 at 21:56, Dean McNeill via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider.

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Provider?

[Ken Heaton via CnC-List]

We have a Cowan Policy through MCT Insurance in Yarmouth, NS.  Giving them
a call wouldn't hurt?

https://www.cowangroup.ca/home/personal-insurance/home-property/boat-insurance/


*Felicity Hobbs | CAIB*

Personal Lines Retention  |  *MCT Insurance – a Division of BrokerLink*

T: 902-742-3531 ext. 45642  |  F: 902-742-5822  |  felicity.ho...@mcti.ca

Brokerlink Inc.  |  396 Main Street, Suite 100, Yarmouth, NS B5A 1E9

Branch hours: Mon-Fri: 8:30 am-5:00 pm

Extended calling hours: Mon-Fri:  8 am-8 pm, Sat: 9am–4 pm

Visit us online: *BrokerLink.ca *  [image:
cid:image016.jpg@01D5C493.70113470]
 [image:
cid:image017.jpg@01D5C493.70113470]  [image:
cid:image018.jpg@01D5C493.70113470] 
 [image: cid:image019.jpg@01D5C493.70113470]
 [image:
cid:image020.jpg@01D5C493.70113470]


On Tue, 11 Aug 2020 at 21:56, Dean McNeill via CnC-List <
cnc-list@cnc-list.com> wrote:

> I‘m in process of purchasing a 1980 C 34 but I’m being held up by
> insurance provider.
>
> My broker (specializing in marine insurance) has sent the clean survey and
> all details to the insurance provider. Was supposed to be 2 days for
> approval… it’s now stretching into 4 days and we can’t get a response from
> provider. I can’t do a deal unless I know I can get vessel insured. Any
> insurers/brokers that you think are great and responsive so I can get this
> deal done?
>
> A little leery of trying the online quote-and-go options but maybe I
> should? Any good redo’s?
>
> I’m in Halifax, Nova Scotia if that matters.
>
> Dean___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Provider?

[Jeff Nelson via CnC-List]

I use:

   https://www.eisenhauerinsurance.ca/
They have always been responsive to me.

   Sail Canada promotes: https://skippersplan.com/
   and I believe if you are a member you get a discount.  I think a 
fair number of people go with

  skippers plan.

  Hope this helps...

  Jeff Nelson
  Muir Caileag
  C 30 0549

On 2020-08-11 9:55 p.m., Dean McNeill via CnC-List wrote:

I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider.

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean

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Stus-List Insurance Provider?

[Dean McNeill via CnC-List]

I‘m in process of purchasing a 1980 C 34 but I’m being held up by insurance 
provider. 

My broker (specializing in marine insurance) has sent the clean survey and all 
details to the insurance provider. Was supposed to be 2 days for approval… it’s 
now stretching into 4 days and we can’t get a response from provider. I can’t 
do a deal unless I know I can get vessel insured. Any insurers/brokers that you 
think are great and responsive so I can get this deal done?

A little leery of trying the online quote-and-go options but maybe I should? 
Any good redo’s?

I’m in Halifax, Nova Scotia if that matters.

Dean

smime.p7s
Description: S/MIME cryptographic signature
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Re: Stus-List Insurance cost

[dwight veinot via CnC-List]

Think i am gonna give my boat away when the time comes. Not yet. No offers
please

On Wed, Apr 1, 2020 at 12:53 PM Josh Muckley via CnC-List <
cnc-list@cnc-list.com> wrote:

> Agreed value is for your sake.  You know you have way more than 70k tied
> up in the boat regardless of how much you can sell it for.
>
> Josh Muckley
> S/V Sea Hawk
> 1989 C 37+
> Solomons, MD
>
> On Wed, Apr 1, 2020, 10:26 CHARLES SCHEAFFER via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> FWIW, my premium is based on agreed value.  At $40K agreed value, the
>> premium is $716 w Progressive within 75 nautical miles.  They didn't
>> require any survey, so I save on that.  I believe BoatUS requires a survery
>> before insuring and every five years.  I also get a discount for no claims
>> for over ten years, and safe boating course.  To me she's worth $70K but
>> I'll be lucky to sell for $25K, with today's market.  And that was before
>> considering Covid-19.  I probably could save some money on the premium by
>> dropping the value, but I'm not sure I want to do that.
>>
>> Chuck Scheaffer, 1989 C 34R, Pasadena, Md
>>
>>
>> On April 1, 2020 at 8:38 AM Joe Della Barba via CnC-List <
>> cnc-list@cnc-list.com> wrote:
>>
>> All policies have some restrictions. I never had winter layup, usually
>> the boat gets used 12 months a year more or less. My old navigation limit
>> without a rider was the Chesapeake and Delaware Bays. Now I have by default
>> the East Coast and Gulf Coast and out 75 miles. I could pay a bit extra and
>> get 100 miles out for Coquina, they won't cover a 13 foot Boston Whaler
>> past 75 miles out for some reason LOL. I think I can add Mexico and Canada
>> pretty cheaply, but from the sounds of the policy they probably assume I
>> would trailer the Whaler there and launch it to go fishing, not sure about
>> sailing to Mexico from here.
>>
>> Coquina was paid off long before this list existed, so I can just take
>> off and not worry about insurance if I have to.
>>
>> Joe
>>
>> Coquina C 35 MK I Kent Island MD USA
>>
>>
>> On 4/1/2020 8:02 AM, Josh Muckley via CnC-List wrote:
>>
>> Joe, I'm pretty sure if you check, your "full coverage" has limitations
>> as to where you are covered and under what type of operating conditions.
>> For example, when we purchased Sea Hawk we had "full coverage" but were not
>> covered for any type of racing.  The recreational boating we were covered
>> for was only on the inland waters of the Chesapeake Bay, Delaware Bay and
>> associated tributaries (the policy called out the lines of demarcation),
>> and we had a winter lay-up period of December 1st to April 1st.  Since then
>> we've moved to commercial insurance for operating the boat as a 6-Pack, we
>> also shifted the layup period to between January 1st and April 1st.  The
>> original price was ~$800/yr, now we're ~$1300/yr.
>>
>> During the delivery from NYC we needed a letter from the underwriter
>> stating that for the purpose of delivery we could travel between certain
>> dates and along a limited path in order to get the boat home.
>>
>> As for blue water and international travel I've heard that the biggest
>> thing to do is to get the boat paid off so that keeping insurance is not
>> required for the bank.  There are companies who will provide coverage
>> unlimited coverage but the more cost effective way to get by is to plan
>> your trip with the insurance company and pay for the limited amount of
>> coverage needed for the duration and location of your travel.  For example,
>> it might be  $3000 to get across the Atlantic Ocean and then $1000/yr for
>> the duration of your stay in the Med, then $3000 to get back across.
>>
>> Josh Muckley
>> S/V Sea Hawk
>> 1989 C 37+
>> Solomons, MD
>>
>> On Tue, Mar 31, 2020, 08:57 Joe Della Barba via CnC-List <
>> cnc-list@cnc-list.com> wrote:
>>
>> Is someone paying $3,000 for insurance? Yikes!
>>
>> I am paying about $600 for THREE boats full coverage with Progressive.
>> IIRC, declared value of $25K on Coquina and $1500 each for the dinghy
>> and the Whaler.
>>
>> Joe
>>
>> Coquina C 35 MK I Kent Island MD USA
>>
>>
>> ___
>>
>> Thanks everyone for supporting this list with your contributions.  Each
>> and every one is greatly appreciated.  If you want to support the list -
>> use PayPal to send contribution --https://www.paypal.me/stumurray
>>
>>
>> ___
>>
>> Thanks everyone for supporting this list with your contributions.  Each and 
>> every one is greatly appreciated.  If you want to support the list - use 
>> PayPal to send contribution --   https://www.paypal.me/stumurray
>>
>> ___
>>
>> Thanks everyone for supporting this list with your contributions. Each
>> and every one is greatly appreciated. If you want to support the list - use
>> PayPal to send contribution -- https://www.paypal.me/stumurray
>>
>>
>>
>> 

Re: Stus-List Insurance cost

[Josh Muckley via CnC-List]

Agreed value is for your sake.  You know you have way more than 70k tied up
in the boat regardless of how much you can sell it for.

Josh Muckley
S/V Sea Hawk
1989 C 37+
Solomons, MD

On Wed, Apr 1, 2020, 10:26 CHARLES SCHEAFFER via CnC-List <
cnc-list@cnc-list.com> wrote:

> FWIW, my premium is based on agreed value.  At $40K agreed value, the
> premium is $716 w Progressive within 75 nautical miles.  They didn't
> require any survey, so I save on that.  I believe BoatUS requires a survery
> before insuring and every five years.  I also get a discount for no claims
> for over ten years, and safe boating course.  To me she's worth $70K but
> I'll be lucky to sell for $25K, with today's market.  And that was before
> considering Covid-19.  I probably could save some money on the premium by
> dropping the value, but I'm not sure I want to do that.
>
> Chuck Scheaffer, 1989 C 34R, Pasadena, Md
>
>
> On April 1, 2020 at 8:38 AM Joe Della Barba via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> All policies have some restrictions. I never had winter layup, usually the
> boat gets used 12 months a year more or less. My old navigation limit
> without a rider was the Chesapeake and Delaware Bays. Now I have by default
> the East Coast and Gulf Coast and out 75 miles. I could pay a bit extra and
> get 100 miles out for Coquina, they won't cover a 13 foot Boston Whaler
> past 75 miles out for some reason LOL. I think I can add Mexico and Canada
> pretty cheaply, but from the sounds of the policy they probably assume I
> would trailer the Whaler there and launch it to go fishing, not sure about
> sailing to Mexico from here.
>
> Coquina was paid off long before this list existed, so I can just take off
> and not worry about insurance if I have to.
>
> Joe
>
> Coquina C 35 MK I Kent Island MD USA
>
>
> On 4/1/2020 8:02 AM, Josh Muckley via CnC-List wrote:
>
> Joe, I'm pretty sure if you check, your "full coverage" has limitations as
> to where you are covered and under what type of operating conditions.
> For example, when we purchased Sea Hawk we had "full coverage" but were not
> covered for any type of racing.  The recreational boating we were covered
> for was only on the inland waters of the Chesapeake Bay, Delaware Bay and
> associated tributaries (the policy called out the lines of demarcation),
> and we had a winter lay-up period of December 1st to April 1st.  Since then
> we've moved to commercial insurance for operating the boat as a 6-Pack, we
> also shifted the layup period to between January 1st and April 1st.  The
> original price was ~$800/yr, now we're ~$1300/yr.
>
> During the delivery from NYC we needed a letter from the underwriter
> stating that for the purpose of delivery we could travel between certain
> dates and along a limited path in order to get the boat home.
>
> As for blue water and international travel I've heard that the biggest
> thing to do is to get the boat paid off so that keeping insurance is not
> required for the bank.  There are companies who will provide coverage
> unlimited coverage but the more cost effective way to get by is to plan
> your trip with the insurance company and pay for the limited amount of
> coverage needed for the duration and location of your travel.  For example,
> it might be  $3000 to get across the Atlantic Ocean and then $1000/yr for
> the duration of your stay in the Med, then $3000 to get back across.
>
> Josh Muckley
> S/V Sea Hawk
> 1989 C 37+
> Solomons, MD
>
> On Tue, Mar 31, 2020, 08:57 Joe Della Barba via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> Is someone paying $3,000 for insurance? Yikes!
>
> I am paying about $600 for THREE boats full coverage with Progressive.
> IIRC, declared value of $25K on Coquina and $1500 each for the dinghy
> and the Whaler.
>
> Joe
>
> Coquina C 35 MK I Kent Island MD USA
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --https://www.paypal.me/stumurray
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
>
> ___
>
> Thanks everyone for supporting this list with your contributions. Each and
> every one is greatly appreciated. If you want to support the list - use
> PayPal to send contribution -- https://www.paypal.me/stumurray
>
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
___

Re: Stus-List Insurance cost

[CHARLES SCHEAFFER via CnC-List]

FWIW, my premium is based on agreed value.  At $40K agreed value, the premium 
is $716 w Progressive within 75 nautical miles.  They didn't require any 
survey, so I save on that.  I believe BoatUS requires a survery before insuring 
and every five years.  I also get a discount for no claims for over ten years, 
and safe boating course.  To me she's worth $70K but I'll be lucky to sell for 
$25K, with today's market.  And that was before considering Covid-19.  I 
probably could save some money on the premium by dropping the value, but I'm 
not sure I want to do that.

Chuck Scheaffer, 1989 C 34R, Pasadena, Md



> On April 1, 2020 at 8:38 AM Joe Della Barba via CnC-List 
>  wrote:
> 
> 
> All policies have some restrictions. I never had winter layup, usually 
> the boat gets used 12 months a year more or less. My old navigation limit 
> without a rider was the Chesapeake and Delaware Bays. Now I have by default 
> the East Coast and Gulf Coast and out 75 miles. I could pay a bit extra and 
> get 100 miles out for Coquina, they won't cover a 13 foot Boston Whaler past 
> 75 miles out for some reason LOL. I think I can add Mexico and Canada pretty 
> cheaply, but from the sounds of the policy they probably assume I would 
> trailer the Whaler there and launch it to go fishing, not sure about sailing 
> to Mexico from here.
> 
> Coquina was paid off long before this list existed, so I can just take 
> off and not worry about insurance if I have to.
> 
> Joe
> 
> Coquina C 35 MK I Kent Island MD USA
> 
> 
> On 4/1/2020 8:02 AM, Josh Muckley via CnC-List wrote:
> 
> > > Joe, I'm pretty sure if you check, your "full coverage" 
> has limitations as to where you are covered and under what type of operating 
> conditions.  For example, when we purchased Sea Hawk we had "full coverage" 
> but were not covered for any type of racing.  The recreational boating we 
> were covered for was only on the inland waters of the Chesapeake Bay, 
> Delaware Bay and associated tributaries (the policy called out the lines of 
> demarcation), and we had a winter lay-up period of December 1st to April 1st. 
>  Since then we've moved to commercial insurance for operating the boat as a 
> 6-Pack, we also shifted the layup period to between January 1st and April 
> 1st.  The original price was ~$800/yr, now we're ~$1300/yr.
> > 
> > During the delivery from NYC we needed a letter from the 
> > underwriter stating that for the purpose of delivery we could travel 
> > between certain dates and along a limited path in order to get the boat 
> > home.
> > 
> > As for blue water and international travel I've heard that the 
> > biggest thing to do is to get the boat paid off so that keeping insurance 
> > is not required for the bank.  There are companies who will provide 
> > coverage unlimited coverage but the more cost effective way to get by is to 
> > plan your trip with the insurance company and pay for the limited amount of 
> > coverage needed for the duration and location of your travel.  For example, 
> > it might be  $3000 to get across the Atlantic Ocean and then $1000/yr for 
> > the duration of your stay in the Med, then $3000 to get back across.
> > 
> > Josh Muckley
> > S/V Sea Hawk 
> > 1989 C 37+
> > Solomons, MD 
> > 
> > On Tue, Mar 31, 2020, 08:57 Joe Della Barba via CnC-List < 
> > cnc-list@cnc-list.com mailto:cnc-list@cnc-list.com > wrote:
> > 
> > > > > Is someone paying $3,000 for insurance? Yikes!
> > > 
> > > I am paying about $600 for THREE boats full coverage with 
> > > Progressive.
> > > IIRC, declared value of $25K on Coquina and $1500 each for 
> > > the dinghy
> > > and the Whaler.
> > > 
> > > Joe
> > > 
> > > Coquina C 35 MK I Kent Island MD USA
> > > 
> > > 
> > > ___
> > > 
> > > Thanks everyone for supporting this list with your 
> > > contributions.  Each and every one is greatly appreciated.  If you want 
> > > to support the list - use PayPal to send contribution --
> > > https://www.paypal.me/stumurray
> > > 
> > > 
> > > > > 
> > 
> > ___
> > 
> > Thanks everyone for supporting this list with your contributions.  
> > Each and every one is greatly appreciated.  If you want to support the list 
> > - use PayPal to send contribution --   https://www.paypal.me/stumurray
> > 
> > 
> > > ___
> 
> Thanks everyone for supporting this list with your contributions. Each 
> and every one is greatly appreciated. If you want to support the list - use 
> PayPal to send contribution -- https://www.paypal.me/stumurray
> 
> 


___

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every 

Re: Stus-List Insurance Broker

[Dennis C. via CnC-List]

Touche's insurance is cheaper in Pensacola, FL than Mandeville, LA.  Most
probably because of Louisiana's legal system.  ALL insurance is more
expensive in Louisiana.  :(

Dennis C.
Touche' 35-1 #83
Mandeville, LA

On Tue, Mar 31, 2020, 3:24 PM Steve Thomas via CnC-List <
cnc-list@cnc-list.com> wrote:

>
> Progressive charges a lot more in Florida, at least they do me, and that
> is with the boat in a well-protected and inland marina. Maryland has a
> lower risk of hurricanes and that makes a difference.
>
> Steve Thomas
> C
> Merritt Island, FL
>
>  Joe Della Barba via CnC-List  wrote:
> Is someone paying $3,000 for insurance? Yikes!
>
> I am paying about $600 for THREE boats full coverage with Progressive.
> IIRC, declared value of $25K on Coquina and $1500 each for the dinghy
> and the Whaler.
>
> Joe
>
> Coquina C 35 MK I Kent Island MD USA
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
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Re: Stus-List Insurance Broker

[Joe Della Barba via CnC-List]

All policies have some restrictions. I never had winter layup, usually 
the boat gets used 12 months a year more or less. My old navigation 
limit without a rider was the Chesapeake and Delaware Bays. Now I have 
by default the East Coast and Gulf Coast and out 75 miles. I could pay a 
bit extra and get 100 miles out for Coquina, they won't cover a 13 foot 
Boston Whaler past 75 miles out for some reason LOL. I think I can add 
Mexico and Canada pretty cheaply, but from the sounds of the policy they 
probably assume I would trailer the Whaler there and launch it to go 
fishing, not sure about sailing to Mexico from here.


Coquina was paid off long before this list existed, so I can just take 
off and not worry about insurance if I have to.


Joe

Coquina C 35 MK I Kent Island MD USA


On 4/1/2020 8:02 AM, Josh Muckley via CnC-List wrote:
Joe, I'm pretty sure if you check, your "full coverage" has 
limitations as to where you are covered and under what type of 
operating conditions.  For example, when we purchased Sea Hawk we had 
"full coverage" but were not covered for any type of racing.  The 
recreational boating we were covered for was only on the inland waters 
of the Chesapeake Bay, Delaware Bay and associated tributaries (the 
policy called out the lines of demarcation), and we had a winter 
lay-up period of December 1st to April 1st.  Since then we've moved to 
commercial insurance for operating the boat as a 6-Pack, we also 
shifted the layup period to between January 1st and April 1st.  The 
original price was ~$800/yr, now we're ~$1300/yr.


During the delivery from NYC we needed a letter from the underwriter 
stating that for the purpose of delivery we could travel between 
certain dates and along a limited path in order to get the boat home.


As for blue water and international travel I've heard that the biggest 
thing to do is to get the boat paid off so that keeping insurance is 
not required for the bank.  There are companies who will provide 
coverage unlimited coverage but the more cost effective way to get by 
is to plan your trip with the insurance company and pay for the 
limited amount of coverage needed for the duration and location of 
your travel. For example, it might be $3000 to get across the Atlantic 
Ocean and then $1000/yr for the duration of your stay in the Med, then 
$3000 to get back across.


Josh Muckley
S/V Sea Hawk
1989 C 37+
Solomons, MD

On Tue, Mar 31, 2020, 08:57 Joe Della Barba via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:


Is someone paying $3,000 for insurance? Yikes!

I am paying about $600 for THREE boats full coverage with
Progressive.
IIRC, declared value of $25K on Coquina and $1500 each for the dinghy
and the Whaler.

Joe

Coquina C 35 MK I Kent Island MD USA


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the list - use PayPal to send contribution --
https://www.paypal.me/stumurray


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Re: Stus-List Insurance Broker

[Josh Muckley via CnC-List]

Joe, I'm pretty sure if you check, your "full coverage" has limitations as
to where you are covered and under what type of operating conditions.
For example, when we purchased Sea Hawk we had "full coverage" but were not
covered for any type of racing.  The recreational boating we were covered
for was only on the inland waters of the Chesapeake Bay, Delaware Bay and
associated tributaries (the policy called out the lines of demarcation),
and we had a winter lay-up period of December 1st to April 1st.  Since then
we've moved to commercial insurance for operating the boat as a 6-Pack, we
also shifted the layup period to between January 1st and April 1st.  The
original price was ~$800/yr, now we're ~$1300/yr.

During the delivery from NYC we needed a letter from the underwriter
stating that for the purpose of delivery we could travel between certain
dates and along a limited path in order to get the boat home.

As for blue water and international travel I've heard that the biggest
thing to do is to get the boat paid off so that keeping insurance is not
required for the bank.  There are companies who will provide coverage
unlimited coverage but the more cost effective way to get by is to plan
your trip with the insurance company and pay for the limited amount of
coverage needed for the duration and location of your travel.  For example,
it might be $3000 to get across the Atlantic Ocean and then $1000/yr for
the duration of your stay in the Med, then $3000 to get back across.

Josh Muckley
S/V Sea Hawk
1989 C 37+
Solomons, MD

On Tue, Mar 31, 2020, 08:57 Joe Della Barba via CnC-List <
cnc-list@cnc-list.com> wrote:

> Is someone paying $3,000 for insurance? Yikes!
>
> I am paying about $600 for THREE boats full coverage with Progressive.
> IIRC, declared value of $25K on Coquina and $1500 each for the dinghy
> and the Whaler.
>
> Joe
>
> Coquina C 35 MK I Kent Island MD USA
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Broker

[Steve Thomas via CnC-List]

Progressive charges a lot more in Florida, at least they do me, and that is 
with the boat in a well-protected and inland marina. Maryland has a lower risk 
of hurricanes and that makes a difference. 

Steve Thomas
C
Merritt Island, FL 

 Joe Della Barba via CnC-List  wrote: 
Is someone paying $3,000 for insurance? Yikes!

I am paying about $600 for THREE boats full coverage with Progressive. 
IIRC, declared value of $25K on Coquina and $1500 each for the dinghy 
and the Whaler.

Joe

Coquina C 35 MK I Kent Island MD USA


___

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to send contribution --   https://www.paypal.me/stumurray



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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance Broker

[Joe Della Barba via CnC-List]

Is someone paying $3,000 for insurance? Yikes!

I am paying about $600 for THREE boats full coverage with Progressive. 
IIRC, declared value of $25K on Coquina and $1500 each for the dinghy 
and the Whaler.


Joe

Coquina C 35 MK I Kent Island MD USA


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Re: Stus-List Insurance Broker

[James Nichols via CnC-List]

David,

I watch a lot of Youtube channels about cruising families and all of them
say the same thing that you encountered.  Coastal sailing isn't too hard to
find and if you shop around, you can get a good deal like you did. 

The one thing they all say is that once you leave the coastal USA waters.
It is nearly impossible to find coverage, or it becomes cost prohibitive.
One family said that the insurance for an Atlantic crossing was a few
thousand dollars, but they could get a policy that would cover them in
coastal Europe for a reasonable price once they got there.  

The one thing that they pretty much all say is that it is a personal
decision that you should weigh yourself.  If the boat were to be a loss,
would you be financially ruined?  I know based on the value of my boat,
liability and a tow coverage is all I really need for coastal sailing, and
when I finally venture further... I'll be at the whims of nature and my own
ingenuity and resources.

James



On Mar 30, 2020, at 15:08, David E Spiro via CnC-List
mailto:cnc-list@cnc-list.com>> wrote:

?
Months ago I asked for help on this list finding insurance.  It seems that
many companies don?t wish to insure boats built in the 80s, especially for
trips to the Caribbean.

On the advice of Bruce Whitmore, I contacted Wells Marine in North Carolina.
Their broker, Jason Riley, found me a policy with better coverage than
BoatUS Geico, and with a premium at 28% of the Geico?s cost.  And any
company has to give better service on claims than Geico.  I would pay more
just to avoid doing business with them again.

I ended up getting a policy for coastal sailing, since I?m not sure when/if
I?ll head to the Caribbean.  The policy Jason found with the Caribbean rider
was the same price as Geico?s without it.

I just thought I?d pass on the information and good news!

David Spiro
SV Hidden Hand
C 40-2



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Re: Stus-List Insurance - liability only

[James Nichols via CnC-List]

Ron,

Liability only insurance won't cover sunken boat, unless it can be shown to
have damaged someone else's property in the process, and doesn't cover when
acts of nature cause the sinking.  Acts of nature would fall under the
damaged property owner's insurance.  Similar to if a tornado picks a car up
and tosses it into your neighbor's house.  Your car insurance doesn't cover
the damage to their house.  

Think of liability insurance as when you do something to cause damage to
someone else or their property, or your equipment fails and causes damage to
someone else or their property.

Rob,

Again, think about who's equipment the cradle or jack stands are.  If the
jack stands belong to the club, their insurance is liable for any failure
due to the jack stands.  If the jack stands belong to the boat owner, then
the boat owner's liability policy should cover any damage the owner's boat
does.  I say should because I haven't read a marine liability only policy
yet and I'm uncertain if there are exclusions for drydock, and only coverage
for in-water liability.  However, I would imagine just like other vehicle
policies, there is coverage for normal storage conditions.  You should be
able to get a copy of the policy from your agent and look for the exclusions
section.

James

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Today's Topics:

   1.  Insurance - liability only (Ronald B. Frerker)
   2. Re:  Insurance - liability only (dwight veinot)
   3.  Insurance - liability only (Robert Abbott)
   4. Re:  Insurance - liability only (ALAN BERGEN)
   5. Re:  Insurance - liability only (Doug Mountjoy)
   6. Re:  COVID sailing (Bill Coleman)


--

Message: 1
Date: Mon, 30 Mar 2020 20:58:12 + (UTC)
From: "Ronald B. Frerker" 
To: cnc-list@cnc-list.com
Subject: Stus-List Insurance - liability only
Message-ID: <1964454646.1358071.1585601892...@mail.yahoo.com>
Content-Type: text/plain; charset="utf-8"

 I have liability only and it didn't require a survey.? It amounts to
self-insuring one's boat, which is always dangerous, but given the low
prices for our boats, it seemed like a good idea.The latest problem though,
is that some places now require the owner to retrieve a sunken boat.? That
could be quite expensive and a liability only policy won't cover that; at
least I don't think so.? I need to check with my broker on that.RonWild
CheriC 30-1STL

On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot via CnC-List
 wrote:  
 
 I am thinking just to buy liability insurance coverage and no replacement
value. Is that possible and if so do i need a survey report to get liability
insurance?

  
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Message: 2
Date: Mon, 30 Mar 2020 18:09:59 -0300
From: dwight veinot 
To: cnc-list@cnc-list.com
Subject: Re: Stus-List Insurance - liability only
Message-ID:

Content-Type: text/plain; charset="utf-8"

Thanks. That addresses my considerations exactly. Keep us informed please

On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List <
cnc-list@cnc-list.com> wrote:

> I have liability only and it didn't require a survey.  It amounts to 
> self-insuring one's boat, which is always dangerous, but given the low 
> prices for our boats, it seemed like a good idea.
> The latest problem though, is that some places now require the owner 
> to retrieve a sunken boat.  That could be quite expensive and a 
> liability only policy won't cover that; at least I don't think so.  I 
> need to check with my broker on that.
> Ron
> Wild Cheri
> C 30-1
> STL
>
>
> On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot via CnC-List 
> < cnc-list@cnc-list.com> wrote:
>
>
> I am thinking just to buy liability insurance coverage and no 
> replacement value. Is that possible and if so do i need a survey 
> report to get liability insurance?
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  
> Each a

Re: Stus-List Insurance - liability only

[Doug Mountjoy via CnC-List]

A yacht policy will include the EPA spill coverage. We are going through at my 
YC. Not sure if a liability only policy will include the required coverage. It 
is around $933k. You also want to have your marina listed as the "also insured" 
.Hope this helps. Doug Mountjoysv Rebecca Leah C Landfall 39Port Orchard 
yacht club
 Original message From: "Ronald B. Frerker via CnC-List" 
 Date: 3/30/20  13:58  (GMT-08:00) To: 
cnc-list@cnc-list.com Cc: "Ronald B. Frerker"  Subject: 
Stus-List Insurance - liability only 
I have liability only and it didn't require a survey.  It amounts to 
self-insuring one's boat, which is always dangerous, but given the low prices 
for our boats, it seemed like a good idea.The latest problem though, is that 
some places now require the owner to retrieve a sunken boat.  That could be 
quite expensive and a liability only policy won't cover that; at least I don't 
think so.  I need to check with my broker on that.RonWild CheriC 30-1STL





On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot 
via CnC-List  wrote:



I am thinking just to buy liability insurance coverage and no 
replacement value. Is that possible and if so do i need a survey report to get 
liability insurance?

___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Insurance - liability only

[ALAN BERGEN via CnC-List]

Liability insurance covers other peoples' property and injuries.

On Mon, Mar 30, 2020 at 2:19 PM Robert Abbott via CnC-List <
cnc-list@cnc-list.com> wrote:

> If during winter layup (cradle or jack stands) or any other instance your
> boat damages another boat on club property, does 'liability only' cover
> those situations?  If no, that insurance would not be acceptable at our
> club.
>
> Rob Abbott
> AZURA
> C 32 #277
> Halifax, N.S.
>
> On 3/30/2020 6:09 PM, dwight veinot via CnC-List wrote:
>
> Thanks. That addresses my considerations exactly. Keep us informed please
>
> On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I have liability only and it didn't require a survey.  It amounts to
>> self-insuring one's boat, which is always dangerous, but given the low
>> prices for our boats, it seemed like a good idea.
>> The latest problem though, is that some places now require the owner to
>> retrieve a sunken boat.  That could be quite expensive and a liability only
>> policy won't cover that; at least I don't think so.  I need to check with
>> my broker on that.
>> Ron
>> Wild Cheri
>> C 30-1
>> STL
>>
>>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8kk_Xxm!9rkma_nSTf33ROeoupNRTCjNTslb4C2AKzry0rZZwllwhhS7cJHtUTpO2iik6Pa1gIo$
>
>
___

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Stus-List Insurance - liability only

[Robert Abbott via CnC-List]

If during winter layup (cradle or jack stands) or any other instance 
your boat damages another boat on club property, does 'liability only' 
cover those situations?  If no, that insurance would not be acceptable 
at our club.


Rob Abbott
AZURA
C 32 #277
Halifax, N.S.

On 3/30/2020 6:09 PM, dwight veinot via CnC-List wrote:

Thanks. That addresses my considerations exactly. Keep us informed please

On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:


I have liability only and it didn't require a survey.  It amounts
to self-insuring one's boat, which is always dangerous, but given
the low prices for our boats, it seemed like a good idea.
The latest problem though, is that some places now require the
owner to retrieve a sunken boat.  That could be quite expensive
and a liability only policy won't cover that; at least I don't
think so.  I need to check with my broker on that.
Ron
Wild Cheri
C 30-1
STL



___

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Re: Stus-List Insurance - liability only

[dwight veinot via CnC-List]

Thanks. That addresses my considerations exactly. Keep us informed please

On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List <
cnc-list@cnc-list.com> wrote:

> I have liability only and it didn't require a survey.  It amounts to
> self-insuring one's boat, which is always dangerous, but given the low
> prices for our boats, it seemed like a good idea.
> The latest problem though, is that some places now require the owner to
> retrieve a sunken boat.  That could be quite expensive and a liability only
> policy won't cover that; at least I don't think so.  I need to check with
> my broker on that.
> Ron
> Wild Cheri
> C 30-1
> STL
>
>
> On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>
> I am thinking just to buy liability insurance coverage and no replacement
> value. Is that possible and if so do i need a survey report to get
> liability insurance?
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
> --
Sent from Gmail Mobile
___

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to send contribution --   https://www.paypal.me/stumurray

Stus-List Insurance - liability only

[Ronald B. Frerker via CnC-List]

 I have liability only and it didn't require a survey.  It amounts to 
self-insuring one's boat, which is always dangerous, but given the low prices 
for our boats, it seemed like a good idea.The latest problem though, is that 
some places now require the owner to retrieve a sunken boat.  That could be 
quite expensive and a liability only policy won't cover that; at least I don't 
think so.  I need to check with my broker on that.RonWild CheriC 30-1STL

On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot via CnC-List 
 wrote:  
 
 I am thinking just to buy liability insurance coverage and no replacement 
value. Is that possible and if so do i need a survey report to get liability 
insurance?

  ___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Stus-List Insurance

[ALAN BERGEN via CnC-List]

I've had good service with GEICO through BoatUS. Several years ago, I got
hung up on a crab pot, and cracked my boom. For each year without a claim,
my deductible was reduced by twenty-five percent. As a result, I got a new
boom with zero deductible, and no depreciation. Last summer, I damaged my
mast, rigging and furler. Estimate to make repairs was forty-eight thousand
dollars. My boat was insured for forty-five thousand, so GEICO totalled the
boat. I was given first right to purchase the boat back which I did, for
$4,500. That gives me $40,500 to do the repairs, and I still own the boat
(which wasn't damaged, other than what I mentioned). While I'm waiting for
a new mast (delays due to Selden having a backlog from hurricane damages) I
have only liability insurance - $500,000, $939,800 Fuel and other spill
liability, $1,000 Medical Payments per person each accident, and $500,000
uninsured boater. Annual premium is $201 (probably because it isn't being
used). It will be interesting to see what the premium will be when the boat
is back in the water. The premium before the accident was $836/year, and
GEICO refunded half the premium for the period that the boat wasn't insured
(after the accident)

A word of caution to those of you who are comparing insurance from
different companies. Read the policy carefully, especially the definitions.
My BoatUS/GEICO policy stated that for a partial loss, agreed value
depreciates after twenty years at ten percent per year, and residual value
will not be less than twenty percent of the agreed value. For a total loss,
there is no depreciation. I was insured for inland waters, coastal cruising
and racing.

Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
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Re: Stus-List Insurance Broker

[David Risch via CnC-List]

Call de brokers Mon...

Sent from my Android. Please forgive typos. Thank you.


From: CnC-List  on behalf of dwight veinot via 
CnC-List 
Sent: Monday, March 30, 2020 3:56:22 PM
To: cnc-list@cnc-list.com 
Cc: dwight veinot 
Subject: Re: Stus-List Insurance Broker

I am thinking just to buy liability insurance coverage and no replacement 
value. Is that possible and if so do i need a survey report to get liability 
insurance?

On Mon, Mar 30, 2020 at 4:19 PM Richard Bush via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
David, I would like to  get the name and contact info as well, thanks

Richard
s/v Bushmark4: 1985 C 37 CB; Ohio River, Mile 596;

Richard N. Bush Law Offices
2950 Breckenridge 
Lane<https://www.google.com/maps/search/2950+Breckenridge+Lane?entry=gmail=g>,
 Suite Nine
Louisville, Kentucky 40220-1462
502-584-7255




On Mar 30, 2020, at 15:08, David E Spiro via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:


Months ago I asked for help on this list finding insurance.  It seems that many 
companies don’t wish to insure boats built in the 80s, especially for trips to 
the Caribbean.

On the advice of Bruce Whitmore, I contacted Wells Marine in North Carolina.  
Their broker, Jason Riley, found me a policy with better coverage than BoatUS 
Geico, and with a premium at 28% of the Geico’s cost.  And any company has to 
give better service on claims than Geico.  I would pay more just to avoid doing 
business with them again.

I ended up getting a policy for coastal sailing, since I’m not sure when/if 
I’ll head to the Caribbean.  The policy Jason found with the Caribbean rider 
was the same price as Geico’s without it.

I just thought I’d pass on the information and good news!

David Spiro
SV Hidden Hand
C 40-2


___

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___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --  https://www.paypal.me/stumurray

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
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--
Sent from Gmail Mobile
___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Insurance Broker

[dwight veinot via CnC-List]

I am thinking just to buy liability insurance coverage and no replacement
value. Is that possible and if so do i need a survey report to get
liability insurance?

On Mon, Mar 30, 2020 at 4:19 PM Richard Bush via CnC-List <
cnc-list@cnc-list.com> wrote:

> David, I would like to  get the name and contact info as well, thanks
>
> Richard
> s/v Bushmark4: 1985 C 37 CB; Ohio River, Mile 596;
>
> Richard N. Bush Law Offices
> 2950 Breckenridge Lane
> ,
> Suite Nine
> Louisville, Kentucky 40220-1462
> 502-584-7255
>
>
>
>
> On Mar 30, 2020, at 15:08, David E Spiro via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> 
>
> Months ago I asked for help on this list finding insurance.  It seems that
> many companies don’t wish to insure boats built in the 80s, especially for
> trips to the Caribbean.
>
> On the advice of Bruce Whitmore, I contacted Wells Marine in North
> Carolina.  Their broker, Jason Riley, found me a policy with better
> coverage than BoatUS Geico, and with a premium at 28% of the Geico’s cost.
> And any company has to give better service on claims than Geico.  I would
> pay more just to avoid doing business with them again.
>
> I ended up getting a policy for coastal sailing, since I’m not sure
> when/if I’ll head to the Caribbean.  The policy Jason found with the
> Caribbean rider was the same price as Geico’s without it.
>
> I just thought I’d pass on the information and good news!
>
> David Spiro
> SV Hidden Hand
> C 40-2
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --  https://www.paypal.me/stumurray
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
> --
Sent from Gmail Mobile
___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Re: Stus-List Insurance Broker

[Richard Bush via CnC-List]

 David, I would like to  get the name and contact info as well, thanks
 
Richard
 s/v Bushmark4: 1985 C 37 CB; Ohio River, Mile 596; 

Richard N. Bush Law Offices 
2950 Breckenridge Lane, Suite Nine 
Louisville, Kentucky 40220-1462 
502-584-7255 




On Mar 30, 2020, at 15:08, David E Spiro via CnC-List  
wrote:




#yiv9903376224 #yiv9903376224 -- _filtered {} _filtered {} #yiv9903376224 
#yiv9903376224 p.yiv9903376224MsoNormal, #yiv9903376224 
li.yiv9903376224MsoNormal, #yiv9903376224 div.yiv9903376224MsoNormal 
{margin:0in;margin-bottom:.0001pt;font-size:11.0pt;font-family:sans-serif;} 
#yiv9903376224 a:link, #yiv9903376224 span.yiv9903376224MsoHyperlink 
{color:#0563C1;text-decoration:underline;} #yiv9903376224 a:visited, 
#yiv9903376224 span.yiv9903376224MsoHyperlinkFollowed 
{color:#954F72;text-decoration:underline;} #yiv9903376224 
span.yiv9903376224EmailStyle17 {font-family:sans-serif;color:windowtext;} 
#yiv9903376224 .yiv9903376224MsoChpDefault {font-family:sans-serif;} _filtered 
{} #yiv9903376224 div.yiv9903376224WordSection1 {} #yiv9903376224 Months ago I 
asked for help on this list finding insurance.  It seems that many companies 
don’t wish to insure boats built in the 80s, especially for trips to the 
Caribbean.  On the advice of Bruce Whitmore, I contacted Wells Marine in North 
Carolina.  Their broker, Jason Riley, found me a policy with better coverage 
than BoatUS Geico, and with a premium at 28% of the Geico’s cost.  And any 
company has to give better service on claims than Geico.  I would pay more just 
to avoid doing business with them again.  I ended up getting a policy for 
coastal sailing, since I’m not sure when/if I’ll head to the Caribbean.  The 
policy Jason found with the Caribbean rider was the same price as Geico’s 
without it.  I just thought I’d pass on the information and good news!  David 
SpiroSV Hidden HandC 40-2    ___

Thanks everyone for supporting this list with your contributions.  Each and 
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to send contribution --   https://www.paypal.me/stumurray

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
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___

Thanks everyone for supporting this list with your contributions.  Each and 
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Re: Stus-List Insurance Broker

[Andrew Burton via CnC-List]

Can you give me the number, David? Pantaenius is dropping US coverage and me 
along with it. 
Andy

Andrew Burton
139 Tuckerman Ave
Middletown, RI 
USA 02842

+401 965 5260
https://sites.google.com/site/andrewburtonyachtservices/



> On Mar 30, 2020, at 15:08, David E Spiro via CnC-List  
> wrote:
> 
> 
> Months ago I asked for help on this list finding insurance.  It seems that 
> many companies don’t wish to insure boats built in the 80s, especially for 
> trips to the Caribbean.
>  
> On the advice of Bruce Whitmore, I contacted Wells Marine in North Carolina.  
> Their broker, Jason Riley, found me a policy with better coverage than BoatUS 
> Geico, and with a premium at 28% of the Geico’s cost.  And any company has to 
> give better service on claims than Geico.  I would pay more just to avoid 
> doing business with them again.
>  
> I ended up getting a policy for coastal sailing, since I’m not sure when/if 
> I’ll head to the Caribbean.  The policy Jason found with the Caribbean rider 
> was the same price as Geico’s without it.
>  
> I just thought I’d pass on the information and good news!
>  
> David Spiro
> SV Hidden Hand
> C 40-2
>  
>  
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 
___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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Stus-List Insurance Broker

[David E Spiro via CnC-List]

Months ago I asked for help on this list finding insurance.  It seems that
many companies don't wish to insure boats built in the 80s, especially for
trips to the Caribbean.

 

On the advice of Bruce Whitmore, I contacted Wells Marine in North Carolina.
Their broker, Jason Riley, found me a policy with better coverage than
BoatUS Geico, and with a premium at 28% of the Geico's cost.  And any
company has to give better service on claims than Geico.  I would pay more
just to avoid doing business with them again.

 

I ended up getting a policy for coastal sailing, since I'm not sure when/if
I'll head to the Caribbean.  The policy Jason found with the Caribbean rider
was the same price as Geico's without it.

 

I just thought I'd pass on the information and good news!

 

David Spiro

SV Hidden Hand

C 40-2

 

 

___

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Re: Stus-List Insurance

[Doug Mountjoy via CnC-List]

Thanks Rick. 


Doug Mountjoy Rebecca Leah LF39 Port Orchard YC, WA.


null___

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Re: Stus-List Insurance

[David via CnC-List]

Rick...can you call me?   Thanks.


David F. Risch, J. D.

Gulf Stream Associates, LLC

(401) 419-4650


From: CnC-List  on behalf of Rick Brass via 
CnC-List 
Sent: Thursday, September 20, 2018 9:33 AM
To: cnc-list@cnc-list.com
Cc: Rick Brass
Subject: Re: Stus-List Insurance


Go to US Sailing. I believe the Gowrie Group is the insurance agency that 
offers the group health insurance for US Sailing members. One of the criteria 
for joining is that you are a cruising sailor.



Before I went on Medicare, I had my coverage there for several years.



The coverage was provided by GeoBlue – Blue Cross for the rest of the world. 
Outside the US the coverage was 100% with no copay or deductibles, inside the 
US it was the same plan as Blue Cross. And my cost was considerably less than 
half the cost of Blue Cross individual coverage in North Carolina.



BTW, they also offer Medicare supplement plans that will provide coverage when 
outside the US. I’m keeping that in mind for when I actually leave to go 
cruising.



Rick Brass

Washington, NC







From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Doug 
Mountjoy via CnC-List
Sent: Thursday, September 20, 2018 4:06 AM
To: cnc-list@cnc-list.com
Cc: Doug Mountjoy 
Subject: Stus-List Insurance



A few years ago someone on the list here posted a link for health/medical 
insurance designed for cruisers. I saved the email but Gmail deleted after a 
couple of years.

Thanks

Doug







Sent from my T-Mobile 4G LTE Device

Doug Mountjoy

Port Orchard YC

Rebecca Leah

Lf39

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Re: Stus-List Insurance

[Rick Brass via CnC-List]

Go to US Sailing. I believe the Gowrie Group is the insurance agency that 
offers the group health insurance for US Sailing members. One of the criteria 
for joining is that you are a cruising sailor.

 

Before I went on Medicare, I had my coverage there for several years. 

 

The coverage was provided by GeoBlue – Blue Cross for the rest of the world. 
Outside the US the coverage was 100% with no copay or deductibles, inside the 
US it was the same plan as Blue Cross. And my cost was considerably less than 
half the cost of Blue Cross individual coverage in North Carolina.

 

BTW, they also offer Medicare supplement plans that will provide coverage when 
outside the US. I’m keeping that in mind for when I actually leave to go 
cruising.

 

Rick Brass

Washington, NC

 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Doug 
Mountjoy via CnC-List
Sent: Thursday, September 20, 2018 4:06 AM
To: cnc-list@cnc-list.com
Cc: Doug Mountjoy 
Subject: Stus-List Insurance

 

A few years ago someone on the list here posted a link for health/medical 
insurance designed for cruisers. I saved the email but Gmail deleted after a 
couple of years. 

Thanks

Doug

 

 

 

Sent from my T-Mobile 4G LTE Device

Doug Mountjoy 

Port Orchard YC 

Rebecca Leah 

Lf39

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Stus-List Insurance

[Doug Mountjoy via CnC-List]

A few years ago someone on the list here posted a link for health/medical 
insurance designed for cruisers. I saved the email but Gmail deleted after a 
couple of years. ThanksDoug


Sent from my T-Mobile 4G LTE DeviceDoug Mountjoy Port Orchard YC Rebecca Leah 
Lf39___

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Re: Stus-List insurance

[Jack Fitzgerald via CnC-List]

All

We have our 1974 C 39 TM & our 1974 Boston Whaler Outrage 21 insured with
SafeCo for the last 18 years. The Deductible on our 39 is 2% with 10% for a
named storm event. The Whaler's deductible is $500.00 with $1,000.00 for a
name storm event. Both boats are insured under a USD 3,000,000.00 PUP as
well as the usual dinghy, personal effects and per person medical riders,
etc. The 39 lives in the water at our Yacht Club in a secure berth (best
hurricane hole in Savannah) with a security service from dusk to dawn 7x365
days a year, the Whaler lives in a boat lift in front of our home.

The usual 200 mile offshore limit applies with The Bahamas rider as a
separate premium to be applied when and if we use it.

Also, both owners (my wife & I) hold 200 USCG Masters Licenses with
offshore endorsements, radar, firefighting, watch stander, etc and well
documented log books covering our sailing and motoring experiences on many
different types of vessels. I suspect that our credential makes the
underwriter happy, hence the decent coverage for a great premium. Also, we
have an excellent insurance agent handling our personal lines, corporate
polices as well as our rental properties and vacation home/farm.

The agree upon value for the 39 is USD 150,000.00 and the Whaler is USD
60,000.00 for a total annual premium of USD 2,850.00.

NOTE: The caveat to keep this type of coverage is that I must have both
boats surveyed by a Lloyd's certified yacht surveyor every 3 years to keep
up the agreed upon value. the surveys cost us USD 1,500.00 this time up
from USD 1,250.00 in 2015, I feel that it is money well spent.

I have no problem with this mandate since I have spent far more than the
insured value maintaining these boats in new condition since we purchased
them in 1975. Both boats were surveyed in January of this year so we are
good for another 3 years.

Also, we have never had a claim.

Best regards,
Jack Fitzgerald
HONEY
US12788
Savannah, GA

On Thu, Feb 22, 2018 at 4:26 PM, Joel Aronson via CnC-List <
cnc-list@cnc-list.com> wrote:

> Anyone tried NBOA?  nboat.com.
>
> On Thu, Feb 22, 2018 at 11:07 AM, ahycrace via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> Any other suggestions for brokers in the Rhode island area?
>>
>> Gary
>>
>>
>>
>> Sent from my Verizon, Samsung Galaxy smartphone
>>
>>  Original message 
>> From: Joel Aronson via CnC-List <cnc-list@cnc-list.com>
>> Date: 2/21/18 6:34 PM (GMT-05:00)
>> To: cnc-list <cnc-list@cnc-list.com>
>> Cc: Joel Aronson <joel.aron...@gmail.com>
>> Subject: Re: Stus-List insurance
>>
>> I'll check them out.  A neighbor is an agent.
>>
>>
>> <http://www.avg.com/email-signature?utm_medium=email_source=link_campaign=sig-email_content=webmail>
>>  Virus-free.
>> www.avg.com
>> <http://www.avg.com/email-signature?utm_medium=email_source=link_campaign=sig-email_content=webmail>
>> <#m_7136901386631118700_m_3001687831703975428_DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>
>>
>> On Wed, Feb 21, 2018 at 6:05 PM, ahycrace ahycrace via CnC-List <
>> cnc-list@cnc-list.com> wrote:
>>
>>> Well I just got some information from the broker that I talked to at the
>>> boat show. He said that most of the quotes he got were the same or more
>>> than boat US. He did find one company that had a good rating named  Berkley
>>> Recreational Marine and they came in at 924$ with a 3% deductible.  Boat US
>>> was 1090 with no deductible. At a 165$ difference I really don"t  know if
>>> its worth changing I thought I could save more than that. 40K agreed value.
>>>
>>>
>>> Gary K.   "Liberty" 1976 38' MK II
>>>
>>> ___
>>>
>>> Thanks everyone for supporting this list with your contributions.  Each
>>> and every one is greatly appreciated.  If you want to support the list -
>>> use PayPal to send contribution --   https://www.paypal.me/stumurray
>>>
>>>
>>>
>>
>>
>> --
>> Joel
>> 301 541 8551 <(301)%20541-8551>
>>
>> ___
>>
>> Thanks everyone for supporting this list with your contributions.  Each
>> and every one is greatly appreciated.  If you want to support the list -
>> use PayPal to send contribution --   https://www.paypal.me/stumurray
>>
>>
>>
>
>
> --
> Joel
> 301 541 8551 <(301)%20541-8551>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
>
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Re: Stus-List insurance

[Joel Aronson via CnC-List]

Anyone tried NBOA?  nboat.com.

On Thu, Feb 22, 2018 at 11:07 AM, ahycrace via CnC-List <
cnc-list@cnc-list.com> wrote:

> Any other suggestions for brokers in the Rhode island area?
>
> Gary
>
>
>
> Sent from my Verizon, Samsung Galaxy smartphone
>
>  Original message 
> From: Joel Aronson via CnC-List <cnc-list@cnc-list.com>
> Date: 2/21/18 6:34 PM (GMT-05:00)
> To: cnc-list <cnc-list@cnc-list.com>
> Cc: Joel Aronson <joel.aron...@gmail.com>
> Subject: Re: Stus-List insurance
>
> I'll check them out.  A neighbor is an agent.
>
>
> <http://www.avg.com/email-signature?utm_medium=email_source=link_campaign=sig-email_content=webmail>
>  Virus-free.
> www.avg.com
> <http://www.avg.com/email-signature?utm_medium=email_source=link_campaign=sig-email_content=webmail>
> <#m_3001687831703975428_DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>
>
> On Wed, Feb 21, 2018 at 6:05 PM, ahycrace ahycrace via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> Well I just got some information from the broker that I talked to at the
>> boat show. He said that most of the quotes he got were the same or more
>> than boat US. He did find one company that had a good rating named  Berkley
>> Recreational Marine and they came in at 924$ with a 3% deductible.  Boat US
>> was 1090 with no deductible. At a 165$ difference I really don"t  know if
>> its worth changing I thought I could save more than that. 40K agreed value.
>>
>>
>> Gary K.   "Liberty" 1976 38' MK II
>>
>> ___
>>
>> Thanks everyone for supporting this list with your contributions.  Each
>> and every one is greatly appreciated.  If you want to support the list -
>> use PayPal to send contribution --   https://www.paypal.me/stumurray
>>
>>
>>
>
>
> --
> Joel
> 301 541 8551 <(301)%20541-8551>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
>


-- 
Joel
301 541 8551
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Re: Stus-List insurance

[ahycrace via CnC-List]

Any other suggestions for brokers in the Rhode island area?
Gary


Sent from my Verizon, Samsung Galaxy smartphone
 Original message From: Joel Aronson via CnC-List 
<cnc-list@cnc-list.com> Date: 2/21/18  6:34 PM  (GMT-05:00) To: cnc-list 
<cnc-list@cnc-list.com> Cc: Joel Aronson <joel.aron...@gmail.com> Subject: Re: 
Stus-List insurance 
I'll check them out.  A neighbor is an agent.




Virus-free. www.avg.com



On Wed, Feb 21, 2018 at 6:05 PM, ahycrace ahycrace via CnC-List 
<cnc-list@cnc-list.com> wrote:



Well I just got some information from the broker that I talked to at the boat 
show. He said that most of the quotes he got were the same or more than boat 
US. He did find one company that had a good rating named  Berkley Recreational 
Marine and they came in at 924$ with a 3% deductible.  Boat US was 1090 with no 
deductible. At a 165$ difference I really don"t  know if its worth changing I 
thought I could save more than that. 40K agreed value.
Gary K.   "Liberty" 1976 38' MK II
 
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-- 
Joel 
301 541 8551

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Re: Stus-List insurance

[Randy Stafford via CnC-List]

I just switched from BoatUS (GEICO) to Ameriprise (Progressive) and saved 41% 
on the annual premium for a better policy - Progressive doesn’t do the 
depreciation BS, and their payout limits are higher.

Cheers,
Randy

> On Feb 21, 2018, at 4:05 PM, ahycrace ahycrace via CnC-List 
>  wrote:
> 
> Well I just got some information from the broker that I talked to at the boat 
> show. He said that most of the quotes he got were the same or more than boat 
> US. He did find one company that had a good rating named  Berkley 
> Recreational Marine and they came in at 924$ with a 3% deductible.  Boat US 
> was 1090 with no deductible. At a 165$ difference I really don"t  know if its 
> worth changing I thought I could save more than that. 40K agreed value.
> 
> 
> 
> Gary K.   "Liberty" 1976 38' MK II
> 
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 

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Re: Stus-List insurance

[Joel Aronson via CnC-List]

I'll check them out.  A neighbor is an agent.


Virus-free.
www.avg.com

<#DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2>

On Wed, Feb 21, 2018 at 6:05 PM, ahycrace ahycrace via CnC-List <
cnc-list@cnc-list.com> wrote:

> Well I just got some information from the broker that I talked to at the
> boat show. He said that most of the quotes he got were the same or more
> than boat US. He did find one company that had a good rating named  Berkley
> Recreational Marine and they came in at 924$ with a 3% deductible.  Boat US
> was 1090 with no deductible. At a 165$ difference I really don"t  know if
> its worth changing I thought I could save more than that. 40K agreed value.
>
>
> Gary K.   "Liberty" 1976 38' MK II
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
>


-- 
Joel
301 541 8551
___

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Stus-List insurance

[ahycrace ahycrace via CnC-List]

Well I just got some information from the broker that I talked to at the boat 
show. He said that most of the quotes he got were the same or more than boat 
US. He did find one company that had a good rating named  Berkley Recreational 
Marine and they came in at 924$ with a 3% deductible.  Boat US was 1090 with no 
deductible. At a 165$ difference I really don"t  know if its worth changing I 
thought I could save more than that. 40K agreed value.


Gary K.   "Liberty" 1976 38' MK II___

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Re: Stus-List Insurance

[Jake Brodersen via CnC-List]

Nothing quite like blowing your first chute one hour into a 6 day race…

 

Jake

 

Jake Brodersen

C 35 Mk-III “Midnight Mistress”

Hampton VA



 

 

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel Aronson 
via CnC-List
Sent: Monday, February 12, 2018 10:49
To: cnc-list@cnc-list.com
Cc: Joel Aronson <joel.aron...@gmail.com>
Subject: Re: Stus-List Insurance

 

Joe,

 

I could have made a claim for a 30 y/o chute?  Damn!

 

Joel

 

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Re: Stus-List Insurance

[Joel Aronson via CnC-List]

Joe,

I could have made a claim for a 30 y/o chute?  Damn!

Joel

<http://www.avg.com/email-signature?utm_medium=email_source=link_campaign=sig-email_content=webmail>
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On Mon, Feb 12, 2018 at 10:38 AM, Della Barba, Joe via CnC-List <
cnc-list@cnc-list.com> wrote:

> This is fairly standard. If the engine dies, you are on your own to fix
> it. If it dies and the boat goes on the rocks, you are covered.
>
> Joe
>
> Coquina
>
>
>
> BTW – Our endorsement to sail to Bermuda went up something like $50 to
> $500 over time because of people claiming ripped up sails according to our
> agent. It never ever occurred to me to blow a chute and make a claim, but
> people did L First time we forgot about it and called in about 30 miles
> east of Norfolk.
>
> “We need coverage for Bermuda”
>
> “This summer?”
>
> “Right NOW, we are on the way already and won’t be in radio range much
> longer”
> “Well OK is $50 too much?”
>
>
>
> *From:* CnC-List [mailto:cnc-list-boun...@cnc-list.com] *On Behalf Of *John
> and Maryann Read via CnC-List
> *Sent:* Sunday, February 11, 2018 12:29 PM
> *To:* cnc-list@cnc-list.com
> *Cc:* John and Maryann Read
> *Subject:* Stus-List Insurance
>
>
>
> Another excerpt
>
>
>
> *Mature Vessel Program Endorsement*
>
> The following conditions are added to Section “A” – Hull Insurance, 10.
> Cause of loss that are not covered:
>
> 8. Mechanical Breakdown of machinery
>
> 9. Leakage, demise, compromise or failure of any sort, of fuel tanks and
> fueling systems
>
> However, we do insure for any resulting loss caused by items 8. and 9.
> unless the resulting loss is excluded
>
> from coverage.
>
>
>
>
>
> John and Maryann
>
> Legacy III
>
> 1982 C 34
>
> Noank, CT
>
>
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
>
>


-- 
Joel
301 541 8551
___

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to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance

[Della Barba, Joe via CnC-List]

This is fairly standard. If the engine dies, you are on your own to fix it. If 
it dies and the boat goes on the rocks, you are covered.
Joe
Coquina

BTW - Our endorsement to sail to Bermuda went up something like $50 to $500 
over time because of people claiming ripped up sails according to our agent. It 
never ever occurred to me to blow a chute and make a claim, but people did :( 
First time we forgot about it and called in about 30 miles east of Norfolk.
"We need coverage for Bermuda"
"This summer?"
"Right NOW, we are on the way already and won't be in radio range much longer"
"Well OK is $50 too much?"

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of John and 
Maryann Read via CnC-List
Sent: Sunday, February 11, 2018 12:29 PM
To: cnc-list@cnc-list.com
Cc: John and Maryann Read
Subject: Stus-List Insurance

Another excerpt

Mature Vessel Program Endorsement
The following conditions are added to Section "A" - Hull Insurance, 10. Cause 
of loss that are not covered:
8. Mechanical Breakdown of machinery
9. Leakage, demise, compromise or failure of any sort, of fuel tanks and 
fueling systems
However, we do insure for any resulting loss caused by items 8. and 9. unless 
the resulting loss is excluded
from coverage.


John and Maryann
Legacy III
1982 C 34
Noank, CT

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Stus-List Insurance

[John and Maryann Read via CnC-List]

Another excerpt

 

Mature Vessel Program Endorsement

The following conditions are added to Section "A" - Hull Insurance, 10.
Cause of loss that are not covered:

8. Mechanical Breakdown of machinery

9. Leakage, demise, compromise or failure of any sort, of fuel tanks and
fueling systems

However, we do insure for any resulting loss caused by items 8. and 9.
unless the resulting loss is excluded

from coverage.

 

 

John and Maryann

Legacy III

1982 C 34

Noank, CT

 

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Stus-List Insurance

[John and Maryann Read via CnC-List]

Excerpt from our policy through New Hampshire Insurance which is part of AIG

 

3. VALUATION:

(a) The value of your yacht is shown on the

declarations as the agreed hull value. In the

event of damage to your yacht, we shall pay for

the cost of repairs with material of like kind and

quality without a deduction for depreciation.

(b) Covered losses to sails, protective covers,

carpeting, upholstery, cushions, fabrics,

outboard motors, and outdrives over three (3)

years old shall be paid on the basis of their

actual cash value adjusted for depreciation.

(c) Covered losses to machinery, including inboard

engines and equipment over ten (10) years old

shall be paid on the basis of their actual cash

value adjusted for depreciation.

 

John and Maryann

Legacy III

1982 C 34

Noank, CT

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Re: Stus-List Insurance issues

[Leslie Paal via CnC-List]

sorry, I should have read this email before responding.  I do not know the 
answer, I need to re-read the contract.  (I was in the Coast Guard so salvage 
was not on my mind so much.)  Maybe something to brush up on.

Leslie.


On Thu, 2/8/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

 Subject: Re: Stus-List Insurance issues
 To: "'cnc-list@cnc-list.com'" <cnc-list@cnc-list.com>
 Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
 Date: Thursday, February 8, 2018, 3:58 AM
 
 Let me expand on that:
 My BOATUS coverage has salvage coverage
 for the full hull value. I could be covered for a total loss
 to hull value AND a salvage claim to full hull value. Absent
 that, the salvor would get paid and I would not.
 
 Joe Della Barba
 Coquina
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Della Barba, Joe via CnC-List
 Sent: Thursday, February 08, 2018 6:52
 AM
 To: 'cnc-list@cnc-list.com'
 Cc: Della Barba, Joe
 Subject: Re: Stus-List Insurance
 issues
 
 Does that include separate salvage
 coverage?
 Joe
 Coquina
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Matthew L. Wolford via CnC-List
 Sent: Wednesday, February 07, 2018
 10:05 PM
 To: cnc-list@cnc-list.com
 Cc: Matthew L. Wolford
 Subject: Re: Stus-List Insurance
 issues
 
 Wow.  Does that include racing?
 
 -Original Message-
 From: Leslie Paal via CnC-List
 Sent: Wednesday, February 07, 2018 9:02
 PM
 To: cnc-list@cnc-list.com
 Cc: Leslie Paal
 Subject: Re: Stus-List Insurance
 issues
 
 well, my boat is only 32 feet, and been
 insured with Allstate without any questions.  I did not
 have any claim so far (10+ years) and my last premium was
 $180 (about) with good coverage (inc. full value, extras,
 spill, 3rd party, etc.)
 
 Leslie
 Phoenix C 1983
 
 
 On Tue, 2/6/18, Della Barba, Joe via
 CnC-List <cnc-list@cnc-list.com>
 wrote:
 
 Subject: Re: Stus-List Insurance
 issues
 To: "cnc-list@cnc-list.com"
 <cnc-list@cnc-list.com>
 Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
 Date: Tuesday, February 6, 2018, 7:41
 AM
 
 My Allstate agent said no way
 would Allstate touch a 35 foot boat.
 I had
 one claim with BOATUS and I could not
 be happier with the service. Basically "get it fixed, have
 the yard fax us the bill". We hit an underwater something,
 not sure what, and it bent the prop shaft.
 
 
 
 Joe Della
 Barba
 Coquina
 
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Howard and Skippy via
 CnC-List
 Sent: Tuesday, February 06, 2018 9:46
 AM
 To: cnc-list@cnc-list.com
 Cc: Howard and Skippy <emp...@optonline.net>
 Subject: Stus-List Insurance issues
 
 Insurance experience
 My C 35-3 has been insured by
 Allstate for the last 25 years and I have experience with 3
 major claims. Once, while transiting Plum Gut with my son at
 the helm, doing about 8 kts with the big chute up, we hit an
 unseen, underground spire submerged 6' below the surface.
 20k later Allstate covered all but the 500 deductible and
 there was no increase in rate which has held at about 5-600
 with an insured value of 60k + 6k for "accessories" for the
 duration of
 coverage.   About 10-15 years ago,
 the
 boat, during a storm, was blown off its
 jack stands when the cover caught one of the stands causing
 hull and rigging damage. some 20+k later, Allstate handled
 the claim speedily and without premium increase.
 The boat was
 totaled in Super Storm Sandy. After a
 45K payout, Allstate
 
 gave me the boat along with the check.
 I used the $ to rebuild the boat and she is as good as or
 better now than new. There has been no real
 
 increase in premium. I can only praise
 Allstate in that they are 1/2 the
 cost of
 Boat US, have been easy to work with
 and have stuck with me
 
 through  3 major incidents.
 Howard Paul, skipper Knot Again
 
 ___
 
 Thanks everyone for supporting
 this list with your
 contributions.  Each and every one is greatly
 appreciated.  If you want to support the list - use
 PayPal to send contribution --  
 https://www.paypal.me/stumurray
 
 ___
 
 Thanks everyone for supporting
 this list with your
 contributions.  Each and every one is greatly
 appreciated.  If you want to support the list - use
 PayPal to send contribution --  
 https://www.paypal.me/stumurray
 
 
 
 ___
 
 Thanks everyone for supporting this
 list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list -
 use 
 PayPal to send contribution --  
 https://www.paypal.me/stumurray
 
 
 ___
 
 Thanks e

Re: Stus-List Insurance issues

[Leslie Paal via CnC-List]

it includes removing if it sinks and it is a navigational hazard, also cleaning 
up any spills.  (We do not have hurricanes so I do not know what would be 
covered.)  The loss of the boat is covered.

Leslie.


On Thu, 2/8/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

 Subject: Re: Stus-List Insurance issues
 To: "'cnc-list@cnc-list.com'" <cnc-list@cnc-list.com>
 Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
 Date: Thursday, February 8, 2018, 3:51 AM
 
 Does that include separate
 salvage coverage?
 Joe
 Coquina
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Matthew L. Wolford via CnC-List
 Sent: Wednesday, February 07, 2018 10:05 PM
 To: cnc-list@cnc-list.com
 Cc: Matthew L. Wolford
 Subject:
 Re: Stus-List Insurance issues
 
 Wow.  Does that include racing?
 
 -Original Message-
 From: Leslie Paal via CnC-List
 Sent: Wednesday, February 07, 2018 9:02 PM
 To: cnc-list@cnc-list.com
 Cc: Leslie Paal
 Subject: Re:
 Stus-List Insurance issues
 
 well, my boat is only 32 feet, and been insured
 with Allstate without any questions.  I did not have any
 claim so far (10+ years) and my last premium was $180
 (about) with good coverage (inc. full value, extras, spill,
 3rd party, etc.)
 
 Leslie
 Phoenix C 1983
 
 
 On Tue, 2/6/18, Della Barba, Joe via CnC-List
 <cnc-list@cnc-list.com>
 wrote:
 
 Subject: Re:
 Stus-List Insurance issues
 To: "cnc-list@cnc-list.com"
 <cnc-list@cnc-list.com>
 Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
 Date: Tuesday, February 6, 2018, 7:41 AM
 
 My Allstate agent said no
 way
 would Allstate touch a 35 foot boat.
 I had
 one claim with BOATUS and
 I could not be happier with the service. Basically "get
 it fixed, have the yard fax us the bill". We hit an
 underwater something, not sure what, and it bent the prop
 shaft.
 
 
 
 Joe Della
 Barba
 Coquina
 
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Howard and Skippy via CnC-List
 Sent: Tuesday, February 06, 2018 9:46 AM
 To: cnc-list@cnc-list.com
 Cc: Howard and Skippy <emp...@optonline.net>
 Subject: Stus-List Insurance issues
 
 Insurance experience
 My C 35-3 has been insured by Allstate
 for the last 25 years and I have experience with 3 major
 claims. Once, while transiting Plum Gut with my son at the
 helm, doing about 8 kts with the big chute up, we hit an
 unseen, underground spire submerged 6' below the
 surface. 20k later Allstate covered all but the 500
 deductible and there was no increase in rate which has held
 at about 5-600 with an insured value of 60k + 6k for
 "accessories" for the duration of
 coverage.   About 10-15 years ago, the
 boat, during a storm, was blown off its jack
 stands when the cover caught one of the stands causing hull
 and rigging damage. some 20+k later, Allstate handled the
 claim speedily and without premium increase.
 The boat was
 totaled in Super
 Storm Sandy. After a 45K payout, Allstate
 
 gave me the boat along with
 the check. I used the $ to rebuild the boat and she is as
 good as or better now than new. There has been no real
 
 increase in premium. I can
 only praise
 Allstate in that they are 1/2
 the
 cost of
 Boat US, have
 been easy to work with and have stuck with me
 
 through  3 major
 incidents.
 Howard Paul, skipper Knot
 Again
 
 ___
 
 Thanks everyone for
 supporting
 this list with your
 contributions.  Each and every one is greatly
 appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 ___
 
 Thanks everyone for
 supporting
 this list with your
 contributions.  Each and every one is greatly
 appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list - use
 
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 

___

Thanks everyone for s

Re: Stus-List Insurance issues

[Leslie Paal via CnC-List]

no racing (I race on other people's boat, too much organizational work).

Leslie.


On Wed, 2/7/18, Matthew L. Wolford via CnC-List <cnc-list@cnc-list.com> wrote:

 Subject: Re: Stus-List Insurance issues
 To: cnc-list@cnc-list.com
 Cc: "Matthew L. Wolford" <wolf...@erie.net>
 Date: Wednesday, February 7, 2018, 7:05 PM
 
 Wow.  Does that include
 racing?
 
 -Original
 Message- 
 From: Leslie Paal via
 CnC-List
 Sent: Wednesday, February 07, 2018
 9:02 PM
 To: cnc-list@cnc-list.com
 Cc: Leslie Paal
 Subject: Re:
 Stus-List Insurance issues
 
 well, my boat is only 32 feet, and been insured
 with Allstate without any 
 questions.  I
 did not have any claim so far (10+ years) and my last
 premium 
 was $180 (about) with good coverage
 (inc. full value, extras, spill, 3rd 
 party,
 etc.)
 
 Leslie
 Phoenix C 1983
 
 
 On Tue, 2/6/18, Della Barba, Joe via CnC-List
 <cnc-list@cnc-list.com>
 wrote:
 
 Subject: Re:
 Stus-List Insurance issues
 To: "cnc-list@cnc-list.com"
 <cnc-list@cnc-list.com>
 Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
 Date: Tuesday, February 6, 2018, 7:41 AM
 
 My Allstate agent said no
 way
 would Allstate touch a 35 foot boat.
 I had
 one claim with BOATUS and
 I could not be happier with the
 service.
 Basically "get it fixed, have the yard fax us
 the bill". We hit an underwater something,
 not sure
 what, and it bent the prop
 shaft.
 
 
 
 Joe Della
 Barba
 Coquina
 
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Howard and Skippy via CnC-List
 Sent: Tuesday, February 06, 2018 9:46 AM
 To: cnc-list@cnc-list.com
 Cc: Howard and Skippy <emp...@optonline.net>
 Subject: Stus-List Insurance issues
 
 Insurance experience
 My C 35-3 has been insured by Allstate
 for the last 25 years and I
 have experience
 with 3 major
 claims. Once, while transiting Plum Gut
 with
 my son at the helm, doing about 8 kts with
 the big chute up, we hit
 an
 unseen,
 underground spire submerged 6'
 below the surface. 20k
 later
 Allstate covered all but the 500
 deductible and there was no increase in
 rate which has held at about 5-600 with an
 insured value of 60k + 6k for
 "accessories" for the duration of
 coverage.   About 10-15 years ago, the
 boat, during a storm, was blown off its jack
 stands when the cover
 caught
 one of the
 stands causing hull and rigging
 damage. some 20+k
 later, Allstate handled
 the claim speedily and
 without premium
 increase.
 The boat was
 totaled in Super Storm Sandy. After a 45K
 payout, Allstate
 
 gave me
 the boat along with the check. I
 used the $
 to rebuild the boat
 and she is
 as good as or better now than new. There has
 been no real
 
 increase in
 premium. I can only praise
 Allstate in that
 they are 1/2 the
 cost of
 Boat US, have been easy to work with and have
 stuck with me
 
 through  3
 major incidents.
 Howard Paul, skipper Knot
 Again
 
 ___
 
 Thanks everyone for
 supporting
 this list with your
 contributions.  Each and every one is
 greatly appreciated.  If you want to support
 the list - use
 PayPal to send contribution
 --   https://www.paypal.me/stumurray
 
 ___
 
 Thanks everyone for
 supporting
 this list with your
 contributions.  Each and every one is
 greatly appreciated.  If you want to support
 the list - use
 PayPal to send contribution
 --   https://www.paypal.me/stumurray
 
 
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and 
 every one is greatly appreciated.  If you want
 to support the list - use 
 PayPal to send
 contribution --   https://www.paypal.me/stumurray
 
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance issues

[Eric Baumes via CnC-List]

You mentioned the $0 deductible that Geico/BoatUS now "provides". While
that is technically true, it has been replaced with a depreciation curve on
parts. I found this out this year after a claim.

I had to have my steering pedestal replaced after a weather related
incident. The new parts were depreciated (either by 40% or to 40% cant
remember). So under the old $500 deductible that is what I would have paid.
Under the new scheme I wound up paying $700+ for the depreciation on the
parts.

A friend of mine also had a claim this year after a grounding, the cost of
which was several times the cost of the pedestal. He paid about the same
out of pocked because the bulk of the repair was labor.

We were talking about this and discussed what would happen if either of our
boats (20+ and 30+ years old) were to be dis masted. If the boat were not
totaled, the bulk of the repair would be parts (spar and rigging) which
would be depreciated by some %. If the total repair were 40k of which 30k
or more were parts and the depreciation were 50% you could be on the hook
for 15k.

I have had BoatUS for more than 15 years across three boats. and I have had
claims for a lightning strike, named storm damage and the most recent
claim. I can say they have always been responsive and great to work with.

That said, their new "no deductible" policy has me seriously considering
shopping for a new policy.

Eric
C 34/36+



On Tue, Feb 6, 2018 at 10:48 AM, David via CnC-List <cnc-list@cnc-list.com>
wrote:

> Staying with BoatUS too.   Got a few other quotes and was not impressed
> especially as I have $0 deductible now.   I have heard all good things when
> the you-know-what hits the fan and you have to file a claim.
>
>
> And.  Just called them to add our 9' restored Dyer sail Dink.   She made a
> note and the little guy is insured for 5k.   Easy Peasy.  Both dinghys
> insured under the Mother Ship.
>
>
> --
> *From:* CnC-List <cnc-list-boun...@cnc-list.com> on behalf of Della
> Barba, Joe via CnC-List <cnc-list@cnc-list.com>
> *Sent:* Tuesday, February 6, 2018 10:41 AM
> *To:* cnc-list@cnc-list.com
> *Cc:* Della Barba, Joe
> *Subject:* Re: Stus-List Insurance issues
>
> My Allstate agent said no way would Allstate touch a 35 foot boat.
> I had one claim with BOATUS and I could not be happier with the service.
> Basically "get it fixed, have the yard fax us the bill". We hit an
> underwater something, not sure what, and it bent the prop shaft.
>
>
>
> Joe Della Barba
> Coquina
>
>
> -Original Message-
> From: CnC-List [mailto:cnc-list-boun...@cnc-list.com
> <cnc-list-boun...@cnc-list.com>] On Behalf Of Howard and Skippy via
> CnC-List
> Sent: Tuesday, February 06, 2018 9:46 AM
> To: cnc-list@cnc-list.com
> Cc: Howard and Skippy <emp...@optonline.net>
> Subject: Stus-List Insurance issues
>
> Insurance experience
> My C 35-3 has been insured by Allstate for the last 25 years and I
> have experience with 3 major claims. Once, while transiting Plum Gut
> with my son at the helm, doing about 8 kts with the big chute up, we hit
> an unseen, underground spire submerged 6' below the surface. 20k later
> Allstate covered all but the 500 deductible and there was no increase in
> rate which has held at about 5-600 with an insured value of 60k + 6k for
> "accessories" for the duration of coverage.   About 10-15 years ago, the
> boat, during a storm, was blown off its jack stands when the cover
> caught one of the stands causing hull and rigging damage. some 20+k
> later, Allstate handled the claim speedily and without premium increase.
> The boat was totaled in Super Storm Sandy. After a 45K payout, Allstate
> gave me the boat along with the check. I used the $ to rebuild the boat
> and she is as good as or better now than new. There has been no real
> increase in premium. I can only praise Allstate in that they are 1/2 the
> cost of Boat US, have been easy to work with and have stuck with me
> through  3 major incidents.
> Howard Paul, skipper Knot Again
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://nam02.safelinks.
> protection.outlook.com/?url=https%3A%2F%2Fwww.paypal.me%
> 2Fstumurray=02%7C01%7C%7C2d1535e551044a773fcd08d56d784144%
> 7C84df9e7fe9f640afb435%7C1%7C0%7C636535285608621984=
> 0epYV5YAyA2O2gJD%2FAHLHbt37OJquMvAy9GB%2BNq1Zmw%3D=0
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  

Re: Stus-List Insurance issues

[William Walker via CnC-List]

I know we are probably all done with this subject, but Joe's post caused me to 
pull out my policy.  I believe that if you have a policy that is an "inland 
marine" or "marine" standard form policy it will include salvage in addition to 
property damage and liability, but everyone should check.  Coverage for fuel 
spillage is also in these policy forms.
I sail Great Lakes..Fremont Insurance Company, a Michigan company.
Premium $386
44000 agreed hull value including rig
50 liability
5 salvage
8 fuel spill/recovery
5000 med pay
25000 uninsured boater insurance 
etc..
Solid company from my research
Bill Walker 
1981 CnC 36
Pentwater, Mi.



Sent from AOL Mobile Mail

On Thursday, February 8, 2018 Della Barba, Joe via CnC-List 
<cnc-list@cnc-list.com> wrote:
Let me expand on that:
My BOATUS coverage has salvage coverage for the full hull value. I could be 
covered for a total loss to hull value AND a salvage claim to full hull value. 
Absent that, the salvor would get paid and I would not.

Joe Della Barba
Coquina

-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Della Barba, 
Joe via CnC-List
Sent: Thursday, February 08, 2018 6:52 AM
To: 'cnc-list@cnc-list.com'
Cc: Della Barba, Joe
Subject: Re: Stus-List Insurance issues

Does that include separate salvage coverage?
Joe
Coquina

-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Matthew L. 
Wolford via CnC-List
Sent: Wednesday, February 07, 2018 10:05 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford
Subject: Re: Stus-List Insurance issues

Wow. Does that include racing?

-Original Message-
From: Leslie Paal via CnC-List
Sent: Wednesday, February 07, 2018 9:02 PM
To: cnc-list@cnc-list.com
Cc: Leslie Paal
Subject: Re: Stus-List Insurance issues

well, my boat is only 32 feet, and been insured with Allstate without any 
questions. I did not have any claim so far (10+ years) and my last premium was 
$180 (about) with good coverage (inc. full value, extras, spill, 3rd party, 
etc.)

Leslie
Phoenix C 1983


On Tue, 2/6/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

Subject: Re: Stus-List Insurance issues
To: "cnc-list@cnc-list.com" <cnc-list@cnc-list.com>
Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
Date: Tuesday, February 6, 2018, 7:41 AM

My Allstate agent said no way
would Allstate touch a 35 foot boat.
I had
one claim with BOATUS and I could not be happier with the service. Basically 
"get it fixed, have the yard fax us the bill". We hit an underwater something, 
not sure what, and it bent the prop shaft.



Joe Della
Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
On Behalf Of Howard and Skippy via CnC-List
Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I have 
experience with 3 major claims. Once, while transiting Plum Gut with my son at 
the helm, doing about 8 kts with the big chute up, we hit an unseen, 
underground spire submerged 6' below the surface. 20k later Allstate covered 
all but the 500 deductible and there was no increase in rate which has held at 
about 5-600 with an insured value of 60k + 6k for "accessories" for the 
duration of
coverage. About 10-15 years ago, the
boat, during a storm, was blown off its jack stands when the cover caught one 
of the stands causing hull and rigging damage. some 20+k later, Allstate 
handled the claim speedily and without premium increase.
The boat was
totaled in Super Storm Sandy. After a 45K payout, Allstate

gave me the boat along with the check. I used the $ to rebuild the boat and she 
is as good as or better now than new. There has been no real

increase in premium. I can only praise
Allstate in that they are 1/2 the
cost of
Boat US, have been easy to work with and have stuck with me

through 3 major incidents.
Howard Paul, skipper Knot Again

___

Thanks everyone for supporting
this list with your contributions. Each and every one is greatly appreciated. 
If you want to support the list - use
PayPal to send contribution -- https://www.paypal.me/stumurray

___

Thanks everyone for supporting
this list with your contributions. Each and every one is greatly appreciated. 
If you want to support the list - use
PayPal to send contribution -- https://www.paypal.me/stumurray



___

Thanks everyone for supporting this list with your contributions. Each and 
every one is greatly appreciated. If you want to support the list - use 
PayPal to send contribution -- https://www.paypal.me/s

Re: Stus-List Insurance issues

[Jack Brennan via CnC-List]

Having lost a sailboat to a hurricane, I can't stress enough how important 
it is to have salvage coverage.


My C 25 washed up in a Florida crocodile protected area on Key Biscayne. 
Federal park rangers were irritated and wanted it gone NOW. Salvage 
companies were starting their quotes at 10K, and there was no other way to 
clean up the wreckage.


Imagine my relief when the problem went away with a single phone call to 
Progressive insurance. They told me to have the rangers call them. And they 
cut me a check within a couple of weeks.



Jack Brennan
Former C 25
Shanachie, 1974 Bristol 30
Tierra Verde, Fl.



---
This email has been checked for viruses by Avast antivirus software.
https://www.avast.com/antivirus


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance issues

[Della Barba, Joe via CnC-List]

Let me expand on that:
My BOATUS coverage has salvage coverage for the full hull value. I could be 
covered for a total loss to hull value AND a salvage claim to full hull value. 
Absent that, the salvor would get paid and I would not.

Joe Della Barba
Coquina

-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Della Barba, 
Joe via CnC-List
Sent: Thursday, February 08, 2018 6:52 AM
To: 'cnc-list@cnc-list.com'
Cc: Della Barba, Joe
Subject: Re: Stus-List Insurance issues

Does that include separate salvage coverage?
Joe
Coquina

-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Matthew L. 
Wolford via CnC-List
Sent: Wednesday, February 07, 2018 10:05 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford
Subject: Re: Stus-List Insurance issues

Wow.  Does that include racing?

-Original Message-
From: Leslie Paal via CnC-List
Sent: Wednesday, February 07, 2018 9:02 PM
To: cnc-list@cnc-list.com
Cc: Leslie Paal
Subject: Re: Stus-List Insurance issues

well, my boat is only 32 feet, and been insured with Allstate without any 
questions.  I did not have any claim so far (10+ years) and my last premium was 
$180 (about) with good coverage (inc. full value, extras, spill, 3rd party, 
etc.)

Leslie
Phoenix C 1983


On Tue, 2/6/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

Subject: Re: Stus-List Insurance issues
To: "cnc-list@cnc-list.com" <cnc-list@cnc-list.com>
Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
Date: Tuesday, February 6, 2018, 7:41 AM

My Allstate agent said no way
would Allstate touch a 35 foot boat.
I had
one claim with BOATUS and I could not be happier with the service. Basically 
"get it fixed, have the yard fax us the bill". We hit an underwater something, 
not sure what, and it bent the prop shaft.



Joe Della
Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
On Behalf Of Howard and Skippy via CnC-List
Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I have 
experience with 3 major claims. Once, while transiting Plum Gut with my son at 
the helm, doing about 8 kts with the big chute up, we hit an unseen, 
underground spire submerged 6' below the surface. 20k later Allstate covered 
all but the 500 deductible and there was no increase in rate which has held at 
about 5-600 with an insured value of 60k + 6k for "accessories" for the 
duration of
coverage.   About 10-15 years ago, the
boat, during a storm, was blown off its jack stands when the cover caught one 
of the stands causing hull and rigging damage. some 20+k later, Allstate 
handled the claim speedily and without premium increase.
The boat was
totaled in Super Storm Sandy. After a 45K payout, Allstate

gave me the boat along with the check. I used the $ to rebuild the boat and she 
is as good as or better now than new. There has been no real

increase in premium. I can only praise
Allstate in that they are 1/2 the
cost of
Boat US, have been easy to work with and have stuck with me

through  3 major incidents.
Howard Paul, skipper Knot Again

___

Thanks everyone for supporting
this list with your contributions.  Each and every one is greatly appreciated.  
If you want to support the list - use
PayPal to send contribution --   https://www.paypal.me/stumurray

___

Thanks everyone for supporting
this list with your contributions.  Each and every one is greatly appreciated.  
If you want to support the list - use
PayPal to send contribution --   https://www.paypal.me/stumurray



___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use 
PayPal to send contribution --   https://www.paypal.me/stumurray


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray


___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List Insurance issues

[Della Barba, Joe via CnC-List]

Does that include separate salvage coverage?
Joe
Coquina

-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Matthew L. 
Wolford via CnC-List
Sent: Wednesday, February 07, 2018 10:05 PM
To: cnc-list@cnc-list.com
Cc: Matthew L. Wolford
Subject: Re: Stus-List Insurance issues

Wow.  Does that include racing?

-Original Message-
From: Leslie Paal via CnC-List
Sent: Wednesday, February 07, 2018 9:02 PM
To: cnc-list@cnc-list.com
Cc: Leslie Paal
Subject: Re: Stus-List Insurance issues

well, my boat is only 32 feet, and been insured with Allstate without any 
questions.  I did not have any claim so far (10+ years) and my last premium was 
$180 (about) with good coverage (inc. full value, extras, spill, 3rd party, 
etc.)

Leslie
Phoenix C 1983


On Tue, 2/6/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

Subject: Re: Stus-List Insurance issues
To: "cnc-list@cnc-list.com" <cnc-list@cnc-list.com>
Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
Date: Tuesday, February 6, 2018, 7:41 AM

My Allstate agent said no way
would Allstate touch a 35 foot boat.
I had
one claim with BOATUS and I could not be happier with the service. Basically 
"get it fixed, have the yard fax us the bill". We hit an underwater something, 
not sure what, and it bent the prop shaft.



Joe Della
Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
On Behalf Of Howard and Skippy via CnC-List
Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I have 
experience with 3 major claims. Once, while transiting Plum Gut with my son at 
the helm, doing about 8 kts with the big chute up, we hit an unseen, 
underground spire submerged 6' below the surface. 20k later Allstate covered 
all but the 500 deductible and there was no increase in rate which has held at 
about 5-600 with an insured value of 60k + 6k for "accessories" for the 
duration of
coverage.   About 10-15 years ago, the
boat, during a storm, was blown off its jack stands when the cover caught one 
of the stands causing hull and rigging damage. some 20+k later, Allstate 
handled the claim speedily and without premium increase.
The boat was
totaled in Super Storm Sandy. After a 45K payout, Allstate

gave me the boat along with the check. I used the $ to rebuild the boat and she 
is as good as or better now than new. There has been no real

increase in premium. I can only praise
Allstate in that they are 1/2 the
cost of
Boat US, have been easy to work with and have stuck with me

through  3 major incidents.
Howard Paul, skipper Knot Again

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Re: Stus-List Insurance issues

[Matthew L. Wolford via CnC-List]

Wow.  Does that include racing?

-Original Message- 
From: Leslie Paal via CnC-List

Sent: Wednesday, February 07, 2018 9:02 PM
To: cnc-list@cnc-list.com
Cc: Leslie Paal
Subject: Re: Stus-List Insurance issues

well, my boat is only 32 feet, and been insured with Allstate without any 
questions.  I did not have any claim so far (10+ years) and my last premium 
was $180 (about) with good coverage (inc. full value, extras, spill, 3rd 
party, etc.)


Leslie
Phoenix C 1983


On Tue, 2/6/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

Subject: Re: Stus-List Insurance issues
To: "cnc-list@cnc-list.com" <cnc-list@cnc-list.com>
Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
Date: Tuesday, February 6, 2018, 7:41 AM

My Allstate agent said no way
would Allstate touch a 35 foot boat.
I had
one claim with BOATUS and I could not be happier with the
service. Basically "get it fixed, have the yard fax us
the bill". We hit an underwater something, not sure
what, and it bent the prop shaft.



Joe Della
Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
On Behalf Of Howard and Skippy via CnC-List
Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate
for the last 25 years and I
have experience
with 3 major claims. Once, while transiting Plum Gut
with my son at the helm, doing about 8 kts with
the big chute up, we hit
an unseen,
underground spire submerged 6' below the surface. 20k
later
Allstate covered all but the 500
deductible and there was no increase in
rate which has held at about 5-600 with an
insured value of 60k + 6k for
"accessories" for the duration of
coverage.   About 10-15 years ago, the
boat, during a storm, was blown off its jack
stands when the cover
caught one of the
stands causing hull and rigging damage. some 20+k
later, Allstate handled the claim speedily and
without premium increase.
The boat was
totaled in Super Storm Sandy. After a 45K payout, Allstate

gave me the boat along with the check. I
used the $ to rebuild the boat
and she is
as good as or better now than new. There has been no real

increase in premium. I can only praise
Allstate in that they are 1/2 the
cost of
Boat US, have been easy to work with and have stuck with me

through  3 major incidents.
Howard Paul, skipper Knot Again

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Re: Stus-List Insurance issues

[Leslie Paal via CnC-List]

well, my boat is only 32 feet, and been insured with Allstate without any 
questions.  I did not have any claim so far (10+ years) and my last premium was 
$180 (about) with good coverage (inc. full value, extras, spill, 3rd party, 
etc.)

Leslie
Phoenix C 1983


On Tue, 2/6/18, Della Barba, Joe via CnC-List <cnc-list@cnc-list.com> wrote:

 Subject: Re: Stus-List Insurance issues
 To: "cnc-list@cnc-list.com" <cnc-list@cnc-list.com>
 Cc: "Della Barba, Joe" <joe.della.ba...@ssa.gov>
 Date: Tuesday, February 6, 2018, 7:41 AM
 
 My Allstate agent said no way
 would Allstate touch a 35 foot boat.
 I had
 one claim with BOATUS and I could not be happier with the
 service. Basically "get it fixed, have the yard fax us
 the bill". We hit an underwater something, not sure
 what, and it bent the prop shaft.
 
 
 
 Joe Della
 Barba
 Coquina
 
 
 -Original Message-
 From: CnC-List [mailto:cnc-list-boun...@cnc-list.com]
 On Behalf Of Howard and Skippy via CnC-List
 Sent: Tuesday, February 06, 2018 9:46 AM
 To: cnc-list@cnc-list.com
 Cc: Howard and Skippy <emp...@optonline.net>
 Subject: Stus-List Insurance issues
 
 Insurance experience
 My C 35-3 has been insured by Allstate
 for the last 25 years and I 
 have experience
 with 3 major claims. Once, while transiting Plum Gut 
 with my son at the helm, doing about 8 kts with
 the big chute up, we hit 
 an unseen,
 underground spire submerged 6' below the surface. 20k
 later 
 Allstate covered all but the 500
 deductible and there was no increase in 
 rate which has held at about 5-600 with an
 insured value of 60k + 6k for 
 "accessories" for the duration of
 coverage.   About 10-15 years ago, the 
 boat, during a storm, was blown off its jack
 stands when the cover 
 caught one of the
 stands causing hull and rigging damage. some 20+k 
 later, Allstate handled the claim speedily and
 without premium increase. 
 The boat was
 totaled in Super Storm Sandy. After a 45K payout, Allstate
 
 gave me the boat along with the check. I
 used the $ to rebuild the boat 
 and she is
 as good as or better now than new. There has been no real
 
 increase in premium. I can only praise
 Allstate in that they are 1/2 the 
 cost of
 Boat US, have been easy to work with and have stuck with me
 
 through  3 major incidents.
 Howard Paul, skipper Knot Again
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 ___
 
 Thanks everyone for supporting
 this list with your contributions.  Each and every one is
 greatly appreciated.  If you want to support the list - use
 PayPal to send contribution --   https://www.paypal.me/stumurray
 
 

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Re: Stus-List insurance

[Randy Stafford via CnC-List]

OK so after this very enlightening thread, I decided to do a bit of shopping 
around.

I got a quote from the Gowrie Group (underwritten by New Hampshire Insurance 
Company) with a premium of $403.  But it had a sail & spar exclusion, which can 
only be removed by getting a professional inspection of the rig.  So I’d have 
to spend money to save money.

Then I called Ameriprise, who provide my home, auto, and umbrella policies.  
They also offer marine insurance underwritten be Progressive.  They quoted me 
$361, which is $218 or 38% less than what BoatUS just charged me.  I’m pretty 
tempted to make the switch.

Does anyone have any experience with Progressive as a marine insurer, or any 
experience with cancelling a BoatUS policy and getting a prorated refund of the 
current year’s premium?

Thanks,
Randy Stafford
S/V Grenadine
C 30-1 #7
Ken Caryl, CO

> On Feb 3, 2018, at 2:30 PM, Randy Stafford via CnC-List 
>  wrote:
> 
> Same thing happened to me.  My boat is insured through BoatUS, for inland US 
> lakes & rivers (which excludes the Great Lakes), and for racing.  For 2016 I 
> paid $511.  For 2017 I paid $521.  For 2018 it jumped 10% to $574.
> 
> In 2016, the underwriter for BoatUS insurance was National Liability & Fire 
> Insurance Company.  For 2017 it switched to GEICO.
> 
> When I first obtained the insurance in 2016, BoatUS also had a diminishing 
> deductible policy under which my deductible diminishes by 25% of the original 
> deductible, per year, to zero for the fifth year, as long as I do not claim 
> any losses in the first four years.  It looks like the diminishing deductible 
> policy is still in effect with GEICO, because my deductible has gone from 
> $600 in 2016 to $375 in 2017 to $250 in 2018.
> 
> Cheers,
> Randy Stafford
> S/V Grenadine
> C 30-1 #7
> Ken Caryl, CO
> 
>> On Feb 3, 2018, at 1:50 PM, ahycrace ahycrace via CnC-List 
>> > wrote:
>> 
>> Hello all
>> 
>>Well I just got my insurance bill from boat US and it went up 
>> 238$  a pretty big increase.  I called to ask why and they said it was 
>> nothing on my end rates just went up.  I am wondering if everybody else got 
>> raised as well?  I tried to increase my deductible  which is zero, to say 4% 
>> or so to lower my rates. They said they can't do that because they have a 
>> automatic lowering of the deductible over time and once it reaches zero it 
>> must stay there. Sounds like they just want to keep the bill up! 1100$ for 
>> 40k, might have to start shopping, any feedback?
>> 
>> 
>> 
>>  Gary K  
>> "Liberty"  1976  38'  MKll
>> 
>> ___
>> 
>> Thanks everyone for supporting this list with your contributions.  Each and 
>> every one is greatly appreciated.  If you want to support the list - use 
>> PayPal to send contribution --   https://www.paypal.me/stumurray 
>> 
>> 
> 
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 

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Re: Stus-List Insurance issues

[schiller via CnC-List]

Corsair (Redwing 35/C 35, Mark I) was insured with Auto Owners 
insurance for the 21 years that we had her.  They were excellent to work 
with on our dis-masting claim. They wrote us a hull value check and 
would have continued the insurance policy if we would have repaired her.


Grace (C 35-3) was previously insured with Boat US, so we re-insured 
her through Boat US.  We had a survey conducted the previous year and 
then provided their self survey with photos.  We paid about the same for 
Grace as Corsair.  Hopefully we will not have any claims on this policy.


Neil Schiller
Old: 1970 Redwing 35 (C 35, Mk I), Hull #7
New: 1983 C 35-3, #028
White Lake Michigan

On 2/6/2018 10:48 AM, David via CnC-List wrote:


Staying with BoatUS too.   Got a few other quotes and was not 
impressed especially as I have $0 deductible now.   I have heard all 
good things when the you-know-what hits the fan and you have to file a 
claim.



And.  Just called them to add our 9' restored Dyer sail Dink.   She 
made a note and the little guy is insured for 5k.   Easy Peasy.  Both 
dinghys insured under the Mother Ship.




*From:* CnC-List <cnc-list-boun...@cnc-list.com> on behalf of Della 
Barba, Joe via CnC-List <cnc-list@cnc-list.com>

*Sent:* Tuesday, February 6, 2018 10:41 AM
*To:* cnc-list@cnc-list.com
*Cc:* Della Barba, Joe
*Subject:* Re: Stus-List Insurance issues
My Allstate agent said no way would Allstate touch a 35 foot boat.
I had one claim with BOATUS and I could not be happier with the 
service. Basically "get it fixed, have the yard fax us the bill". We 
hit an underwater something, not sure what, and it bent the prop shaft.




Joe Della Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of 
Howard and Skippy via CnC-List

Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I
have experience with 3 major claims. Once, while transiting Plum Gut
with my son at the helm, doing about 8 kts with the big chute up, we hit
an unseen, underground spire submerged 6' below the surface. 20k later
Allstate covered all but the 500 deductible and there was no increase in
rate which has held at about 5-600 with an insured value of 60k + 6k for
"accessories" for the duration of coverage.   About 10-15 years ago, the
boat, during a storm, was blown off its jack stands when the cover
caught one of the stands causing hull and rigging damage. some 20+k
later, Allstate handled the claim speedily and without premium increase.
The boat was totaled in Super Storm Sandy. After a 45K payout, Allstate
gave me the boat along with the check. I used the $ to rebuild the boat
and she is as good as or better now than new. There has been no real
increase in premium. I can only praise Allstate in that they are 1/2 the
cost of Boat US, have been easy to work with and have stuck with me
through  3 major incidents.
Howard Paul, skipper Knot Again

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Re: Stus-List Insurance issues

[David via CnC-List]

Staying with BoatUS too.   Got a few other quotes and was not impressed 
especially as I have $0 deductible now.   I have heard all good things when the 
you-know-what hits the fan and you have to file a claim.


And.  Just called them to add our 9' restored Dyer sail Dink.   She made a note 
and the little guy is insured for 5k.   Easy Peasy.  Both dinghys insured under 
the Mother Ship.



From: CnC-List <cnc-list-boun...@cnc-list.com> on behalf of Della Barba, Joe 
via CnC-List <cnc-list@cnc-list.com>
Sent: Tuesday, February 6, 2018 10:41 AM
To: cnc-list@cnc-list.com
Cc: Della Barba, Joe
Subject: Re: Stus-List Insurance issues

My Allstate agent said no way would Allstate touch a 35 foot boat.
I had one claim with BOATUS and I could not be happier with the service. 
Basically "get it fixed, have the yard fax us the bill". We hit an underwater 
something, not sure what, and it bent the prop shaft.



Joe Della Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Howard and 
Skippy via CnC-List
Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I
have experience with 3 major claims. Once, while transiting Plum Gut
with my son at the helm, doing about 8 kts with the big chute up, we hit
an unseen, underground spire submerged 6' below the surface. 20k later
Allstate covered all but the 500 deductible and there was no increase in
rate which has held at about 5-600 with an insured value of 60k + 6k for
"accessories" for the duration of coverage.   About 10-15 years ago, the
boat, during a storm, was blown off its jack stands when the cover
caught one of the stands causing hull and rigging damage. some 20+k
later, Allstate handled the claim speedily and without premium increase.
The boat was totaled in Super Storm Sandy. After a 45K payout, Allstate
gave me the boat along with the check. I used the $ to rebuild the boat
and she is as good as or better now than new. There has been no real
increase in premium. I can only praise Allstate in that they are 1/2 the
cost of Boat US, have been easy to work with and have stuck with me
through  3 major incidents.
Howard Paul, skipper Knot Again

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Re: Stus-List Insurance issues

[Della Barba, Joe via CnC-List]

My Allstate agent said no way would Allstate touch a 35 foot boat.
I had one claim with BOATUS and I could not be happier with the service. 
Basically "get it fixed, have the yard fax us the bill". We hit an underwater 
something, not sure what, and it bent the prop shaft.



Joe Della Barba
Coquina


-Original Message-
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Howard and 
Skippy via CnC-List
Sent: Tuesday, February 06, 2018 9:46 AM
To: cnc-list@cnc-list.com
Cc: Howard and Skippy <emp...@optonline.net>
Subject: Stus-List Insurance issues

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I 
have experience with 3 major claims. Once, while transiting Plum Gut 
with my son at the helm, doing about 8 kts with the big chute up, we hit 
an unseen, underground spire submerged 6' below the surface. 20k later 
Allstate covered all but the 500 deductible and there was no increase in 
rate which has held at about 5-600 with an insured value of 60k + 6k for 
"accessories" for the duration of coverage.   About 10-15 years ago, the 
boat, during a storm, was blown off its jack stands when the cover 
caught one of the stands causing hull and rigging damage. some 20+k 
later, Allstate handled the claim speedily and without premium increase. 
The boat was totaled in Super Storm Sandy. After a 45K payout, Allstate 
gave me the boat along with the check. I used the $ to rebuild the boat 
and she is as good as or better now than new. There has been no real 
increase in premium. I can only praise Allstate in that they are 1/2 the 
cost of Boat US, have been easy to work with and have stuck with me 
through  3 major incidents.
Howard Paul, skipper Knot Again

___

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Stus-List Insurance issues

[Howard and Skippy via CnC-List]

Insurance experience
My C 35-3 has been insured by Allstate for the last 25 years and I 
have experience with 3 major claims. Once, while transiting Plum Gut 
with my son at the helm, doing about 8 kts with the big chute up, we hit 
an unseen, underground spire submerged 6' below the surface. 20k later 
Allstate covered all but the 500 deductible and there was no increase in 
rate which has held at about 5-600 with an insured value of 60k + 6k for 
"accessories" for the duration of coverage.   About 10-15 years ago, the 
boat, during a storm, was blown off its jack stands when the cover 
caught one of the stands causing hull and rigging damage. some 20+k 
later, Allstate handled the claim speedily and without premium increase. 
The boat was totaled in Super Storm Sandy. After a 45K payout, Allstate 
gave me the boat along with the check. I used the $ to rebuild the boat 
and she is as good as or better now than new. There has been no real 
increase in premium. I can only praise Allstate in that they are 1/2 the 
cost of Boat US, have been easy to work with and have stuck with me 
through  3 major incidents.

Howard Paul, skipper Knot Again

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Stus-List Insurance

[ALAN BERGEN via CnC-List]

Some things to consider when insuring your boat:  Make sure you have fuel
spill coverage - $500, 000 or more.  Also, don't insure your boat for more
than it's actually worth.  Hull insurance is the biggest cost of your
insurance.  Finally get lots of liability insurance.  That's the most
reasonable part of your premium.  Canadian yacht clubs want us to  have one
million dollars of liability insurance, if we want to use their reciprocal
moorage.  when I asked BoatUS/Geico (my carrier) how much it would cost to
increase my liability from five hundred thousand to one million, they told
me it would increase my premium by about six dollars a year.

Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR
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Re: Stus-List insurance

[Larry via CnC-List]

I am super impressed with their rates and service.

My boat was hit at the dock three days after I took delivery, Thank god for 
surveys, the owner of the boat attempted to claim they did not do the damage. 
The Survey and witness saved the day. I paid to have the boat repaired 
immediately (right at the water line) and American Family wrote me a check and 
then had the other persons insurance for their cost. Zero effect on my coverage 
or rates.

Like I said: just under 500 a year, 500 dollar deductible and one million 
coverage in liability damages.

However they did not want to ensure my ZX14R sport bike. But not too many do.

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Jim Reinardy 
via CnC-List
Sent: Sunday, February 4, 2018 8:30 AM
To: cnc-list@cnc-list.com
Cc: Jim Reinardy
Subject: Re: Stus-List insurance

 

Larry,

 

American Family is based here in Wisconsin and I can second your opinion.  I 
have had all of my insurance with them, including the boat for nearly 30 years.

 

Jim Reinardy

C 30-2 “Firewater”

Milwaukee, WI

 

Get Outlook for iOS <https://aka.ms/o0ukef> 





On Sun, Feb 4, 2018 at 9:55 AM -0600, "Larry via CnC-List" 
<cnc-list@cnc-list.com> wrote:

When I purchased my boat I did a lot of shopping around.

I went with American Family Insurance. Fantastic company. If I could have them 
for all my insurance needs, I would. But I have had my home and auto with Geico 
for over 40 years and my discounts cannot be beat.

My boat insurance is through American and is 485 a year and on 80k value boat, 
with one million on damages. US Boat, Geico and the rest were half again if not 
double.

Just my 2 cents

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel Aronson 
via CnC-List
Sent: Sunday, February 4, 2018 7:41 AM
To: cnc-list@cnc-list.com
Cc: Joel Aronson
Subject: Re: Stus-List insurance

 

Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had a 
similar experience. 

 

On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
<cnc-list@cnc-list.com> wrote:

When I was shopping for insurance for our current boat, $85k value, boat us was 
the highest.  I went with a company called seaworthy (just a coincidence).  
They were 1/2 what boat us wanted.  They have since been bought by gieco which 
now owns boat us I'm told.   Strange...  

 

 

 

Sent from my T-Mobile 4G LTE Device

 

 Original message 

From: svrebeccaleah via CnC-List <cnc-list@cnc-list.com> 

Date: 2/3/18 9:39 PM (GMT-05:00) 

To: cnc-list@cnc-list.com 

Cc: svrebeccaleah <svrebeccal...@gmail.com> 

Subject: Re: Stus-List insurance 

 

I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000. 

 

Doug Mountjoy 

Rebecca Leah 

LF39

POYC, WA

 

 

 

 

Sent from my T-Mobile 4G LTE Device

 

 Original message 

From: ahycrace ahycrace via CnC-List <cnc-list@cnc-list.com> 

Date: 2/3/18 12:50 (GMT-08:00) 

To: cnc-list@cnc-list.com 

Cc: ahycrace ahycrace <ahycr...@cox.net> 

Subject: Stus-List insurance 

 

Hello all

   Well I just got my insurance bill from boat US and it went up 
238$  a pretty big increase.  I called to ask why and they said it was nothing 
on my end rates just went up.  I am wondering if everybody else got raised as 
well?  I tried to increase my deductible  which is zero, to say 4% or so to 
lower my rates. They said they can't do that because they have a automatic 
lowering of the deductible over time and once it reaches zero it must stay 
there. Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?

 

 Gary K  "Liberty"  
1976  38'  MKll

___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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-- 

Joel 
301 541 8551

___

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Re: Stus-List insurance

[Jim Reinardy via CnC-List]

Larry,
American Family is based here in Wisconsin and I can second your opinion.  I 
have had all of my insurance with them, including the boat for nearly 30 years.
Jim ReinardyC 30-2 “Firewater”Milwaukee, WI



Get Outlook for iOS





On Sun, Feb 4, 2018 at 9:55 AM -0600, "Larry via CnC-List" 
<cnc-list@cnc-list.com> wrote:












When I purchased my boat I did a lot of shopping around.

I went with American Family Insurance. Fantastic company. If I could have them 
for all my insurance needs, I would. But I have had my home and auto with Geico 
for over 40 years and my discounts cannot be beat.

My boat insurance is through American and is 485 a year and on 80k value boat, 
with one million on damages. US Boat, Geico and the rest were half again if not 
double.

Just my 2 cents

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel Aronson 
via CnC-List
Sent: Sunday, February 4, 2018 7:41 AM
To: cnc-list@cnc-list.com
Cc: Joel Aronson
Subject: Re: Stus-List insurance

 

Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had a 
similar experience. 

 

On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
<cnc-list@cnc-list.com> wrote:

When I was shopping for insurance for our current boat, $85k value, boat us was 
the highest.  I went with a company called seaworthy (just a coincidence).  
They were 1/2 what boat us wanted.  They have since been bought by gieco which 
now owns boat us I'm told.   Strange...  

 

 

 

Sent from my T-Mobile 4G LTE Device

 

 Original message 

From: svrebeccaleah via CnC-List <cnc-list@cnc-list.com> 

Date: 2/3/18 9:39 PM (GMT-05:00) 

To: cnc-list@cnc-list.com 

Cc: svrebeccaleah <svrebeccal...@gmail.com> 

Subject: Re: Stus-List insurance 

 

I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000. 

 

Doug Mountjoy 

Rebecca Leah 

LF39

POYC, WA

 

 

 

 

Sent from my T-Mobile 4G LTE Device

 

 Original message 

From: ahycrace ahycrace via CnC-List <cnc-list@cnc-list.com> 

Date: 2/3/18 12:50 (GMT-08:00) 

To: cnc-list@cnc-list.com 

Cc: ahycrace ahycrace <ahycr...@cox.net> 

Subject: Stus-List insurance 

 

Hello all

               Well I just got my insurance bill from boat US and it went up 
238$  a pretty big increase.  I called to ask why and they said it was nothing 
on my end rates just went up.  I am wondering if everybody else got raised as 
well?  I tried to increase my deductible  which is zero, to say 4% or so to 
lower my rates. They said they can't do that because they have a automatic 
lowering of the deductible over time and once it reaches zero it must stay 
there. Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?

 

                                                             Gary K  "Liberty"  
1976  38'  MKll

___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

-- 

Joel 
301 541 8551




___

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Re: Stus-List insurance

[Matthew L. Wolford via CnC-List]

Something interesting.  I just went to Seaworthy’s website and was redirected 
to Geico Marine Insurance (which now serves Boat U.S.)  I requested a quote 
using Geico’s free quote system, and I used the same information (more or less) 
as my current coverage.  The free quote was approximately half what I’m 
currently paying.  When my insurance is up for renewal in a few months, I will 
go through the online process.

From: Larry via CnC-List 
Sent: Sunday, February 04, 2018 10:54 AM
To: cnc-list@cnc-list.com 
Cc: Larry 
Subject: Re: Stus-List insurance

When I purchased my boat I did a lot of shopping around.

I went with American Family Insurance. Fantastic company. If I could have them 
for all my insurance needs, I would. But I have had my home and auto with Geico 
for over 40 years and my discounts cannot be beat.

My boat insurance is through American and is 485 a year and on 80k value boat, 
with one million on damages. US Boat, Geico and the rest were half again if not 
double.

Just my 2 cents

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel Aronson 
via CnC-List
Sent: Sunday, February 4, 2018 7:41 AM
To: cnc-list@cnc-list.com
Cc: Joel Aronson
Subject: Re: Stus-List insurance

 

Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had a 
similar experience. 

 

On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
<cnc-list@cnc-list.com> wrote:

  When I was shopping for insurance for our current boat, $85k value, boat us 
was the highest.  I went with a company called seaworthy (just a coincidence).  
They were 1/2 what boat us wanted.  They have since been bought by gieco which 
now owns boat us I'm told.   Strange...  

   

   

   

  Sent from my T-Mobile 4G LTE Device

   

   Original message 

  From: svrebeccaleah via CnC-List <cnc-list@cnc-list.com> 

  Date: 2/3/18 9:39 PM (GMT-05:00) 

  To: cnc-list@cnc-list.com 

  Cc: svrebeccaleah <svrebeccal...@gmail.com> 

  Subject: Re: Stus-List insurance 

   

  I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000. 

   

  Doug Mountjoy 

  Rebecca Leah 

  LF39

  POYC, WA

   

   

   

   

  Sent from my T-Mobile 4G LTE Device

   

   Original message 

  From: ahycrace ahycrace via CnC-List <cnc-list@cnc-list.com> 

  Date: 2/3/18 12:50 (GMT-08:00) 

  To: cnc-list@cnc-list.com 

  Cc: ahycrace ahycrace <ahycr...@cox.net> 

  Subject: Stus-List insurance 

   

  Hello all

 Well I just got my insurance bill from boat US and it went up 
238$  a pretty big increase.  I called to ask why and they said it was nothing 
on my end rates just went up.  I am wondering if everybody else got raised as 
well?  I tried to increase my deductible  which is zero, to say 4% or so to 
lower my rates. They said they can't do that because they have a automatic 
lowering of the deductible over time and once it reaches zero it must stay 
there. Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?

   

   Gary K  
"Liberty"  1976  38'  MKll

  ___

  Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

-- 

Joel 
301 541 8551




___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
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___

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every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List insurance

[Jack Brennan via CnC-List]

I live on the west coast of Florida, on an island called Tierra Verde. I had 
Progressive for years because it had a good deal for smaller, older boats in 
the hurricane zone – about $500 a year for 10K coverage and, more importantly 
here, liability and full salvage, in case the boat gets whacked in a storm.
Then the premium began creeping up noticeably every year, until it was about 
$800.
I checked out BoatUS and found, to my amazement, that its formerly huge 
premiums for Florida had dropped to where I could get better coverage than 
Progressive for $400 a year. Again, no survey, just photos and a self-reported 
form on the boat’s condition.
I’m holding my breath to see what happens at renewal time after this past 
hurricane season.
I’m also thinking about a larger cruising boat (maybe even a C again!), so 
I’m bracing myself for that. A friend with an Island Packet 37 that he cruises 
all over says he pays 5K a year on a boat worth maybe 150K.
Jack Brennan
Former C 25
Shanachie, 1974 Bristol 30
Tierra Verde, Fl.

---
This email has been checked for viruses by Avast antivirus software.
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Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List insurance

[Larry via CnC-List]

When I purchased my boat I did a lot of shopping around.

I went with American Family Insurance. Fantastic company. If I could have them 
for all my insurance needs, I would. But I have had my home and auto with Geico 
for over 40 years and my discounts cannot be beat.

My boat insurance is through American and is 485 a year and on 80k value boat, 
with one million on damages. US Boat, Geico and the rest were half again if not 
double.

Just my 2 cents

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Joel Aronson 
via CnC-List
Sent: Sunday, February 4, 2018 7:41 AM
To: cnc-list@cnc-list.com
Cc: Joel Aronson
Subject: Re: Stus-List insurance

 

Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had a 
similar experience. 

 

On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List 
<cnc-list@cnc-list.com> wrote:

When I was shopping for insurance for our current boat, $85k value, boat us was 
the highest.  I went with a company called seaworthy (just a coincidence).  
They were 1/2 what boat us wanted.  They have since been bought by gieco which 
now owns boat us I'm told.   Strange...  

 

 

 

Sent from my T-Mobile 4G LTE Device

 

 Original message 

From: svrebeccaleah via CnC-List <cnc-list@cnc-list.com> 

Date: 2/3/18 9:39 PM (GMT-05:00) 

To: cnc-list@cnc-list.com 

Cc: svrebeccaleah <svrebeccal...@gmail.com> 

Subject: Re: Stus-List insurance 

 

I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000. 

 

Doug Mountjoy 

Rebecca Leah 

LF39

POYC, WA

 

 

 

 

Sent from my T-Mobile 4G LTE Device

 

 Original message 

From: ahycrace ahycrace via CnC-List <cnc-list@cnc-list.com> 

Date: 2/3/18 12:50 (GMT-08:00) 

To: cnc-list@cnc-list.com 

Cc: ahycrace ahycrace <ahycr...@cox.net> 

Subject: Stus-List insurance 

 

Hello all

   Well I just got my insurance bill from boat US and it went up 
238$  a pretty big increase.  I called to ask why and they said it was nothing 
on my end rates just went up.  I am wondering if everybody else got raised as 
well?  I tried to increase my deductible  which is zero, to say 4% or so to 
lower my rates. They said they can't do that because they have a automatic 
lowering of the deductible over time and once it reaches zero it must stay 
there. Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?

 

 Gary K  "Liberty"  
1976  38'  MKll

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

-- 

Joel 
301 541 8551

___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List insurance

[Joel Aronson via CnC-List]

Seaworthy is owned by Warren Buffet. They are the carrier for BoatUS. I had
a similar experience.

On Sun, Feb 4, 2018 at 9:32 AM Danny Haughey via CnC-List <
cnc-list@cnc-list.com> wrote:

> When I was shopping for insurance for our current boat, $85k value, boat
> us was the highest.  I went with a company called seaworthy (just a
> coincidence).  They were 1/2 what boat us wanted.  They have since been
> bought by gieco which now owns boat us I'm told.   Strange...
>
>
>
> Sent from my T-Mobile 4G LTE Device
>
>  Original message 
> From: svrebeccaleah via CnC-List <cnc-list@cnc-list.com>
> Date: 2/3/18 9:39 PM (GMT-05:00)
> To: cnc-list@cnc-list.com
> Cc: svrebeccaleah <svrebeccal...@gmail.com>
> Subject: Re: Stus-List insurance
>
> I am with Red Sield $850 for $60k. This is also live aboard, think my
> deductible is $1000.
>
> Doug Mountjoy
> Rebecca Leah
> LF39
> POYC, WA
>
>
>
>
> Sent from my T-Mobile 4G LTE Device
>
>  Original message 
> From: ahycrace ahycrace via CnC-List <cnc-list@cnc-list.com>
> Date: 2/3/18 12:50 (GMT-08:00)
> To: cnc-list@cnc-list.com
> Cc: ahycrace ahycrace <ahycr...@cox.net>
> Subject: Stus-List insurance
>
> Hello all
>
>Well I just got my insurance bill from boat US and it went
> up 238$  a pretty big increase.  I called to ask why and they said it was
> nothing on my end rates just went up.  I am wondering if everybody else got
> raised as well?  I tried to increase my deductible  which is zero, to say
> 4% or so to lower my rates. They said they can't do that because they have
> a automatic lowering of the deductible over time and once it reaches zero
> it must stay there. Sounds like they just want to keep the bill up! 1100$
> for 40k, might have to start shopping, any feedback?
>
>
>  Gary K
> "Liberty"  1976  38'  MKll
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
>
> --
Joel
301 541 8551
___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List insurance

[Glenn Gambel via CnC-List]

My insurance is with Boat US, and my rates did not go up.  Since I sail 
on Lake Michigan and not in coastal areas or waters, I speculate that 
location may have something to do with it.  We don't have hurricanes 
here.  I also speculate that the hurricanes which have destroyed so many 
boats are mostly the blame for the increases in insurance rates, 
deductibles, etc.  About the only thing one can do is shop around.


Something similar happened to me with regard to our home.  Home 
insurance leaped up because we do not live near a fire hydrant or fire 
station.  I complained and then shopped around.


Glenn Gambel
Wind N Spirits
C 36 (1981)

-- Original Message --
From: "ALAN BERGEN via CnC-List" <cnc-list@cnc-list.com>
To: "C" <cnc-list@cnc-list.com>
Cc: "ALAN BERGEN" <trya...@alumni.usc.edu>
Sent: 2/3/2018 7:12:14 PM
Subject: Re: Stus-List insurance

If your deductible is zero, that means that your deductible has gone 
from whatever you had it, to zero without increasing your premium for 
the zero deductible.  In other words, you had no claims in the past 
four years, and your deductible has gone down twenty-five percent per 
year over those four years.  I had a claim, last year, and I didn't 
have to pay a deductible.  It started out as a four percent deductible, 
and it went down when I had no claims for four years or more.  I had 
the same question as you, until they explained it to me.  My insurance 
is due to renew in April, and the deductible will probably go back to 
four percent, plus whatever the new rates have increased to.


Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR

Alan


On Sat, Feb 3, 2018 at 3:26 PM, Matthew Wolford via CnC-List 
<cnc-list@cnc-list.com> wrote:

Agreed.  I suspect we’re paying for hurricane damage.

Sent from my iPhone

On Feb 3, 2018, at 3:50 PM, ahycrace ahycrace via CnC-List 
<cnc-list@cnc-list.com> wrote:



Hello all

   Well I just got my insurance bill from boat US and it 
went up 238$  a pretty big increase.  I called to ask why and they 
said it was nothing on my end rates just went up.  I am wondering if 
everybody else got raised as well?  I tried to increase my deductible 
 which is zero, to say 4% or so to lower my rates. They said they 
can't do that because they have a automatic lowering of the 
deductible over time and once it reaches zero it must stay there. 
Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?




 Gary K  
"Liberty"  1976  38'  MKll


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Re: Stus-List insurance

[Danny Haughey via CnC-List]

When I was shopping for insurance for our current boat, $85k value, boat us was 
the highest.  I went with a company called seaworthy (just a coincidence).  
They were 1/2 what boat us wanted.  They have since been bought by gieco which 
now owns boat us I'm told.   Strange...  


Sent from my T-Mobile 4G LTE Device
 Original message From: svrebeccaleah via CnC-List 
<cnc-list@cnc-list.com> Date: 2/3/18  9:39 PM  (GMT-05:00) To: 
cnc-list@cnc-list.com Cc: svrebeccaleah <svrebeccal...@gmail.com> Subject: Re: 
Stus-List insurance 
I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000. 
Doug Mountjoy Rebecca Leah LF39POYC, WA



Sent from my T-Mobile 4G LTE Device
 Original message From: ahycrace ahycrace via CnC-List 
<cnc-list@cnc-list.com> Date: 2/3/18  12:50  (GMT-08:00) To: 
cnc-list@cnc-list.com Cc: ahycrace ahycrace <ahycr...@cox.net> Subject: 
Stus-List insurance 
Hello all               Well I just got my insurance bill from boat US and it 
went up 238$  a pretty big increase.  I called to ask why and they said it was 
nothing on my end rates just went up.  I am wondering if everybody else got 
raised as well?  I tried to increase my deductible  which is zero, to say 4% or 
so to lower my rates. They said they can't do that because they have a 
automatic lowering of the deductible over time and once it reaches zero it must 
stay there. Sounds like they just want to keep the bill up! 1100$ for 40k, 
might have to start shopping, any feedback?
                                                             Gary K  "Liberty"  
1976  38'  MKll___

Thanks everyone for supporting this list with your contributions.  Each and 
every one is greatly appreciated.  If you want to support the list - use PayPal 
to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List insurance

[John and Maryann Read via CnC-List]

We are with New Hampshire Insurance through agent Heritage Insurance locally.  
$665/year for $41K agreed value, 2% deductable, tender, indemnity, towing, 
personal effects, uninsured boater and fuel spill liability.  Coverage and 
rates have been constant for 3 years.  No claims.  Racing is OK.  One issue is 
the age of our beloved C’s such that many insurers will not cover them.  We 
also had to have a survey done to get the new policy.

 

John and Maryann

Legacy III

1982 C 34

Noank, CT

 

From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of ahycrace 
ahycrace via CnC-List
Sent: Saturday, February 03, 2018 3:50 PM
To: cnc-list@cnc-list.com
Cc: ahycrace ahycrace
Subject: Stus-List insurance

 

Hello all

   Well I just got my insurance bill from boat US and it went up 
238$  a pretty big increase.  I called to ask why and they said it was nothing 
on my end rates just went up.  I am wondering if everybody else got raised as 
well?  I tried to increase my deductible  which is zero, to say 4% or so to 
lower my rates. They said they can't do that because they have a automatic 
lowering of the deductible over time and once it reaches zero it must stay 
there. Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?

 

 Gary K  "Liberty"  
1976  38'  MKll

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Re: Stus-List insurance

[svrebeccaleah via CnC-List]

I am with Red Sield $850 for $60k. This is also live aboard, think my 
deductible is $1000. 
Doug Mountjoy Rebecca Leah LF39POYC, WA



Sent from my T-Mobile 4G LTE Device
 Original message From: ahycrace ahycrace via CnC-List 
<cnc-list@cnc-list.com> Date: 2/3/18  12:50  (GMT-08:00) To: 
cnc-list@cnc-list.com Cc: ahycrace ahycrace <ahycr...@cox.net> Subject: 
Stus-List insurance 
Hello all               Well I just got my insurance bill from boat US and it 
went up 238$  a pretty big increase.  I called to ask why and they said it was 
nothing on my end rates just went up.  I am wondering if everybody else got 
raised as well?  I tried to increase my deductible  which is zero, to say 4% or 
so to lower my rates. They said they can't do that because they have a 
automatic lowering of the deductible over time and once it reaches zero it must 
stay there. Sounds like they just want to keep the bill up! 1100$ for 40k, 
might have to start shopping, any feedback?
                                                             Gary K  "Liberty"  
1976  38'  MKll___

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Re: Stus-List insurance

[ALAN BERGEN via CnC-List]

If your deductible is zero, that means that your deductible has gone from
whatever you had it, to zero without increasing your premium for the zero
deductible.  In other words, you had no claims in the past four years, and
your deductible has gone down twenty-five percent per year over those four
years.  I had a claim, last year, and I didn't have to pay a deductible.
It started out as a four percent deductible, and it went down when I had no
claims for four years or more.  I had the same question as you, until they
explained it to me.  My insurance is due to renew in April, and the
deductible will probably go back to four percent, plus whatever the new
rates have increased to.

Alan Bergen
35 Mk III Thirsty
Rose City YC
Portland, OR

Alan


On Sat, Feb 3, 2018 at 3:26 PM, Matthew Wolford via CnC-List <
cnc-list@cnc-list.com> wrote:

> Agreed.  I suspect we’re paying for hurricane damage.
>
> Sent from my iPhone
>
> On Feb 3, 2018, at 3:50 PM, ahycrace ahycrace via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> Hello all
>
>Well I just got my insurance bill from boat US and it went
> up 238$  a pretty big increase.  I called to ask why and they said it was
> nothing on my end rates just went up.  I am wondering if everybody else got
> raised as well?  I tried to increase my deductible  which is zero, to say
> 4% or so to lower my rates. They said they can't do that because they have
> a automatic lowering of the deductible over time and once it reaches zero
> it must stay there. Sounds like they just want to keep the bill up! 1100$
> for 40k, might have to start shopping, any feedback?
>
>
>  Gary K
> "Liberty"  1976  38'  MKll
>
> ___
>
> Thanks everyone for supporting this list with your contributions.  Each
> and every one is greatly appreciated.  If you want to support the list -
> use PayPal to send contribution --   https://www.paypal.me/stumurray
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>
>
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Re: Stus-List insurance

[Matthew Wolford via CnC-List]

Agreed.  I suspect we’re paying for hurricane damage.

Sent from my iPhone

> On Feb 3, 2018, at 3:50 PM, ahycrace ahycrace via CnC-List 
>  wrote:
> 
> Hello all
> 
>Well I just got my insurance bill from boat US and it went up 
> 238$  a pretty big increase.  I called to ask why and they said it was 
> nothing on my end rates just went up.  I am wondering if everybody else got 
> raised as well?  I tried to increase my deductible  which is zero, to say 4% 
> or so to lower my rates. They said they can't do that because they have a 
> automatic lowering of the deductible over time and once it reaches zero it 
> must stay there. Sounds like they just want to keep the bill up! 1100$ for 
> 40k, might have to start shopping, any feedback?
> 
> 
> 
>  Gary K  
> "Liberty"  1976  38'  MKll
> 
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 
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Re: Stus-List insurance

[David Knecht via CnC-List]

I use Gowrie also and hundreds less than BoatUS.  Dave

> On Feb 3, 2018, at 4:59 PM, Andrew Burton via CnC-List 
>  wrote:
> 
> I've found them to be among the most expensive. My insurance for C 40 
> Peregrine was $600-ish through the Gowrie Group. 
> 
> Andy
> 
> Andrew Burton
> 61 West Narragansett Ave
> Newport, RI 
> USA 02840
> 
> +401 965 5260
> 
> 
> On Feb 3, 2018, at 15:50, ahycrace ahycrace via CnC-List 
> > wrote:
> 
>> Hello all
>> 
>>Well I just got my insurance bill from boat US and it went up 
>> 238$  a pretty big increase.  I called to ask why and they said it was 
>> nothing on my end rates just went up.  I am wondering if everybody else got 
>> raised as well?  I tried to increase my deductible  which is zero, to say 4% 
>> or so to lower my rates. They said they can't do that because they have a 
>> automatic lowering of the deductible over time and once it reaches zero it 
>> must stay there. Sounds like they just want to keep the bill up! 1100$ for 
>> 40k, might have to start shopping, any feedback?
>> 
>> 
>> 
>>  Gary K  
>> "Liberty"  1976  38'  MKll
>> 
>> ___
>> 
>> Thanks everyone for supporting this list with your contributions.  Each and 
>> every one is greatly appreciated.  If you want to support the list - use 
>> PayPal to send contribution --   https://www.paypal.me/stumurray 
>> 
>> 
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 

Aries
1990 C 34+
New London, CT



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Re: Stus-List insurance

[Andrew Burton via CnC-List]

I've found them to be among the most expensive. My insurance for C 40 
Peregrine was $600-ish through the Gowrie Group. 

Andy

Andrew Burton
61 West Narragansett Ave
Newport, RI 
USA 02840

+401 965 5260


> On Feb 3, 2018, at 15:50, ahycrace ahycrace via CnC-List 
>  wrote:
> 
> Hello all
> 
>Well I just got my insurance bill from boat US and it went up 
> 238$  a pretty big increase.  I called to ask why and they said it was 
> nothing on my end rates just went up.  I am wondering if everybody else got 
> raised as well?  I tried to increase my deductible  which is zero, to say 4% 
> or so to lower my rates. They said they can't do that because they have a 
> automatic lowering of the deductible over time and once it reaches zero it 
> must stay there. Sounds like they just want to keep the bill up! 1100$ for 
> 40k, might have to start shopping, any feedback?
> 
> 
> 
>  Gary K  
> "Liberty"  1976  38'  MKll
> 
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 
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Re: Stus-List insurance

[robert via CnC-List]

Gary, with no recent accidents and/or other claims, that is a big 
increase and overall, $1,100 for $40K is extreme where I shop for boat 
insurance.  Time to shop around for insurance.


Not boat related but topic related2 weeks ago, I got my auto 
insurance renewal invoice for 201811.5% increase...accident and 
claim free, no wayshop around for a few hours on the phoneget a 
new auto policy with everything I already had a bit more (paid auto if 
my car in for repairs in case of accident) for 11% less than I was 
paying for 2017.even less than now.


Rob Abbott
AZURA
C 32 - 84
Halifax, N.S.





On 2018-02-03 4:50 PM, ahycrace ahycrace via CnC-List wrote:


Hello all

               Well I just got my insurance bill from boat US and it 
went up 238$  a pretty big increase.  I called to ask why and they 
said it was nothing on my end rates just went up.  I am wondering if 
everybody else got raised as well?  I tried to increase my deductible  
which is zero, to say 4% or so to lower my rates. They said they can't 
do that because they have a automatic lowering of the deductible over 
time and once it reaches zero it must stay there. Sounds like they 
just want to keep the bill up! 1100$ for 40k, might have to start 
shopping, any feedback?



 Gary K  "Liberty"  1976  38'  MKll



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Re: Stus-List insurance

[coltrek via CnC-List]

I got a quote from BoatUS  around the end of September I think, and then when I 
went to go buy the insurance in December,, it had gone up 35%. Needless to say, 
I balked and started looking. I got a couple of other quotes in a similar 
range, and then one quote for around $900 less than the BoatUS original quote. 
It's crazy. They are obviously trying to pay for that horrendous mess last 
summer, that had to have cost them hundreds of Millions. But, I'm not in that 
high-risk area so why should I have to pay the price of paradise when I don't 
have it?
Bill Coleman 
C 39



 Original message 
From: ahycrace ahycrace via CnC-List <cnc-list@cnc-list.com> 
Date: 2/3/18  15:50  (GMT-05:00) 
To: cnc-list@cnc-list.com 
Cc: ahycrace ahycrace <ahycr...@cox.net> 
Subject: Stus-List insurance 

Hello all               Well I just got my insurance bill from boat US and it 
went up 238$  a pretty big increase.  I called to ask why and they said it was 
nothing on my end rates just went up.  I am wondering if everybody else got 
raised as well?  I tried to increase my deductible  which is zero, to say 4% or 
so to lower my rates. They said they can't do that because they have a 
automatic lowering of the deductible over time and once it reaches zero it must 
stay there. Sounds like they just want to keep the bill up! 1100$ for 40k, 
might have to start shopping, any feedback?
                                                             Gary K  "Liberty"  
1976  38'  MKll___

Thanks everyone for supporting this list with your contributions.  Each and 
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to send contribution --   https://www.paypal.me/stumurray

Re: Stus-List insurance

[Randy Stafford via CnC-List]

Same thing happened to me.  My boat is insured through BoatUS, for inland US 
lakes & rivers (which excludes the Great Lakes), and for racing.  For 2016 I 
paid $511.  For 2017 I paid $521.  For 2018 it jumped 10% to $574.

In 2016, the underwriter for BoatUS insurance was National Liability & Fire 
Insurance Company.  For 2017 it switched to GEICO.

When I first obtained the insurance in 2016, BoatUS also had a diminishing 
deductible policy under which my deductible diminishes by 25% of the original 
deductible, per year, to zero for the fifth year, as long as I do not claim any 
losses in the first four years.  It looks like the diminishing deductible 
policy is still in effect with GEICO, because my deductible has gone from $600 
in 2016 to $375 in 2017 to $250 in 2018.

Cheers,
Randy Stafford
S/V Grenadine
C 30-1 #7
Ken Caryl, CO

> On Feb 3, 2018, at 1:50 PM, ahycrace ahycrace via CnC-List 
>  wrote:
> 
> Hello all
> 
>Well I just got my insurance bill from boat US and it went up 
> 238$  a pretty big increase.  I called to ask why and they said it was 
> nothing on my end rates just went up.  I am wondering if everybody else got 
> raised as well?  I tried to increase my deductible  which is zero, to say 4% 
> or so to lower my rates. They said they can't do that because they have a 
> automatic lowering of the deductible over time and once it reaches zero it 
> must stay there. Sounds like they just want to keep the bill up! 1100$ for 
> 40k, might have to start shopping, any feedback?
> 
> 
> 
>  Gary K  
> "Liberty"  1976  38'  MKll
> 
> ___
> 
> Thanks everyone for supporting this list with your contributions.  Each and 
> every one is greatly appreciated.  If you want to support the list - use 
> PayPal to send contribution --   https://www.paypal.me/stumurray
> 

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Stus-List insurance

[ahycrace ahycrace via CnC-List]

Hello all

   Well I just got my insurance bill from boat US and it went up 
238$  a pretty big increase.  I called to ask why and they said it was nothing 
on my end rates just went up.  I am wondering if everybody else got raised as 
well?  I tried to increase my deductible  which is zero, to say 4% or so to 
lower my rates. They said they can't do that because they have a automatic 
lowering of the deductible over time and once it reaches zero it must stay 
there. Sounds like they just want to keep the bill up! 1100$ for 40k, might 
have to start shopping, any feedback?


 Gary K  "Liberty"  
1976  38'  MKll___

Thanks everyone for supporting this list with your contributions.  Each and 
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Re: Stus-List Insurance on a LF38

[Joel Aronson via CnC-List]

Geico is also a Berkshire Hathaway company, and US Boat writes through
another BH subsidiary.  I wonder if Seaworthy is cheaper than Boat US?


On Thu, May 1, 2014 at 9:10 AM, Daniel Sheer via CnC-List 
cnc-list@cnc-list.com wrote:

 I have no other insurance with Geico. I believe I initiated the deal on
 the net through the Geico site. And it's actually Seaworthy insurance (a
 Berkshire Hathaway Company) through the Geico brokerage. I've had no
 claims, but they've been very responsive to requests.

 Dan Sheer
 Pegathy LF38
 Rock Creek off the Patapsco

 Message: 5
 Date: Wed, 30 Apr 2014 18:48:34 -0700 (PDT)
 From: Daniel Sheer via CnC-List cnc-list@cnc-list.com
 To: cnc-list@cnc-list.com cnc-list@cnc-list.com
 Subject: Stus-List Insurance on a LF38
 Message-ID:
 1398908914.78204.yahoomail...@web126201.mail.ne1.yahoo.com
 Content-Type: text/plain; charset=us-ascii

 Got my 1980 LF38 insured through Geico. Seaworthy is the actual insurance
 company. I thought it was a very reasonable rate for the policy after
 shopping around.

 Dan Sheer
 Pegathy LF38
 Rock Creek off the Patapsco
 -- next part --
 An HTML attachment was scrubbed...
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 http://cnc-list.com/pipermail/cnc-list_cnc-list.com/attachments/20140430/98f0d27e/attachment-0001.html
 

 --

 Message: 6
 Date: Wed, 30 Apr 2014 21:59:50 -0400 (EDT)
 From: via CnC-List cnc-list@cnc-list.com
 To: dansh...@yahoo.com, cnc-list@cnc-list.com
 Subject: Re: Stus-List Insurance on a LF38
 Message-ID: 8d132f82c027897-1bf4-5...@webmail-va029.sysops.aol.com
 Content-Type: text/plain; charset=us-ascii

 Geico will not insure your boat unless you have other insurance with them.


 John McLaughlin
 CC29-2
 Falcon





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Joel
301 541 8551
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Re: Stus-List Insurance on a LF38

[via CnC-List]

Geico will not insure your boat unless you have other insurance with them.


John McLaughlin
CC29-2
Falcon



-Original Message-
From: Daniel Sheer via CnC-List cnc-list@cnc-list.com
To: cnc-list cnc-list@cnc-list.com
Sent: Wed, Apr 30, 2014 9:49 pm
Subject: Stus-List Insurance on a LF38



Got my 1980 LF38 insured through Geico. Seaworthy is the actual insurance 
company. I thought it was a very reasonable rate for the policy after shopping 
around.


Dan Sheer
Pegathy LF38
Rock Creek off the Patapsco



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Stus-List Insurance Premium Decrease

[Rick Taillieu]

I had a nice surprise in the mail yesterday. The renewal for my boat
insurance came in and the premium went DOWN 25%, without any change in
coverage. 

I called the agent to see what was up and she said that almost every policy
with this company (Royal  Sun Alliance) had a decrease in premiums this
year.

More money for rum.

 

Rick Taillieu

Nemesis

'75 CC 25  #371

Shearwater Yacht Club

Halifax, NS.

 

 

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Re: Stus-List Insurance Premium Decrease

[Della Barba, Joe]

I think mine is the same this year, but last year it went up to cover hurricane 
losses. Last hurricane we had I was on my boat when BOATUS called and offered 
to haul me out for free. I guess they REALLY didn't want any more claims. I 
declined and told the nice lady our marinas were on flat ground and the boats 
that get hauled just float away anyway.

Joe Della Barba
Coquina
CC 35 MK I
From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Rick Taillieu
Sent: Thursday, April 17, 2014 8:46 AM
To: cnc-list@cnc-list.com
Subject: Stus-List Insurance Premium Decrease

I had a nice surprise in the mail yesterday. The renewal for my boat insurance 
came in and the premium went DOWN 25%, without any change in coverage.
I called the agent to see what was up and she said that almost every policy 
with this company (Royal  Sun Alliance) had a decrease in premiums this year.
More money for rum.

Rick Taillieu
Nemesis
'75 CC 25  #371
Shearwater Yacht Club
Halifax, NS.


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Re: Stus-List Insurance Premium Decrease

[Rich Knowles]

That's good to hear. I'll check with my agent. 

Rich

 On Apr 17, 2014, at 9:45, Rick Taillieu rtaill...@eastlink.ca wrote:
 
 I had a nice surprise in the mail yesterday. The renewal for my boat 
 insurance came in and the premium went DOWN 25%, without any change in 
 coverage.
 I called the agent to see what was up and she said that almost every policy 
 with this company (Royal  Sun Alliance) had a decrease in premiums this year.
 More money for rum.
  
 Rick Taillieu
 Nemesis
 '75 CC 25  #371
 Shearwater Yacht Club
 Halifax, NS.
  
  
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