But just to be fair, I have another friend that had his boat insurance
as a rider on his homeowner/car insurance with Erie. His 10 year old
headsail came unfurled during a storm and was destroyed. Erie
paid him $3500 without question to replace it. Most insurance either
doesn;t cover sails or depreciates them so who can figure.

Doug
s/v Callista

"dudley" wrote in message
ups.com...
Doug Dotson wrote:
I had a friend that did the same type of thing with Allstate. Had his
car and house insured with them and just added his boat for a dirt
cheap price. Seemed like a great deal until he filed a claim.

The old "I had a friend" story. Well based on my actual, first-hand
experience with Allstate covering 2 boats for a period of 15 years, I
can tell you that Allstate was prompt and generous with their
settlement
for a broken mast (they replaced mast/boom/standing and running
rigging,
and installation - I saved the sails) and a bent propshaft (I hit an
uncharted underwater obstruction - they paid for everything, including
two coats of new bottom paint).

dudley
.