The policy was not a typical boat "agreed value" policy. He suffered
a dismasting but the boat was old enough that between the deductable
and depreciation it hardly coverend any of the replacement cost. My
insurance covers the entire replacement less the deductable of course.

My standard question I ask when buying insurance is "If I am dismasted
and the falling mast pokes a hole in the side of the boat and the dragging
of the mast along the side trashes my paint job, what is covered?". My
policy covers the complete replacement cost less the deductable.

Doug
s/v Callista

"Roger Long" wrote in message
...
I'd like to know more. Was it just poor an inept servicing of the claim
or did they try to not pay? Was it a big loss or just a ding?

Interestingly, Liberty Mutual seemed the most customer friendly and
responsive which also was part of my decision.

We'll have to switch to a marine carrier next year anyway as Nova Scotia
and New Brunswick figure big in our plans.

--

Roger Long



"Doug Dotson" wrote in message
...
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.

Doug
s/v Callista