I placed a claim with Boat/US was completely satisfied with the service and
the speed they completed the inspection and paid the claim. The only thing
I lost by filing the claim is the 10% deduction for not filing a claim
within the last year.

My claim was due to hurricane damage not due to operator error, so it is
quiet possible they would have dropped me if they thought I was a bad risk.
Since I also use Geico who has a reputation for dropping high risk people, I
like the idea of doing business with those who keep fees low by only
insuring low risk individuals.


"Short Wave Sportfishing" wrote in message
...
On Tue, 13 Jan 2004 16:20:42 -0800, jps wrote:

My boat policy is about to renew and I thought I'd do a little shopping
based on posts I've read about Boat US being a reasonable alternative.

Everything looked pretty much the same (including cost of coverage)
until I got to "uninsured boater" line. My present policy assumes
$50,000 and the Boat US is $300,000. I assume that if my vessel is a
total loss with someone else at fault, the max. payout with my present
policy is $50K (and the boat is worth significantly more).

I'm mystified why my broker would write the policy this way and
disappointed that I didn't see this previously.

Anyone have any insight? Is my broker shortsighted or what?

My two boats are insured as part of the house/car/personal liability
package, both boats are insured for full replacement value (new) and
about a zillion dollars liability and under-insured boater. The full
replacement value trick insures that I will at least get what I paid
for the boats without any deduction.

The only thing I can say about BoatUS is that I know somebody who
placed a claim, non-total, and BoatUS dropped him like a hot potato.

Later,

Tom
S. Woodstock, CT
----------
"My rod and my reel - they comfort me."

St. Pete, 12 Lb. Test