On Sep 15, 7:10*pm, LG wrote:
Tim wrote:
On Sep 15, 6:07 pm, I am *wrote:

In articlee0ac98bf-fee3-4d71-918e-1b18253c5db2
@f26g2000vbm.googlegroups.com, says...

On Sep 15, 5:55 pm, *wrote:

Harry ? wrote:

* *wrote in messagenews:mfe096hi4touf5p4arlqb6nslf6jc7hf7d@4ax .com...

I let my Allstate insurance lapse because the boat is on my trailer at
my Delta house. *I won't put it back in the water until next spring.
I'm doing some major and minor maintenance.
I called Foremost (they have my 3 m/c covered) and they gave me a
quote that was only $10 less than Allstate. *So I'm thinking of
returning to Allstate being that they have a local office and Foremost
does not.
Or is there another company out there that you folks might recommend?
I need CA min. liability of 300K. *The ACV of the boat is 22K but I'll
insure for 17K to keep my premiums down.
Allstate price is $303/yr.
Thanks for any help
Eddie
87 Regal 277XL

Progressive has been good to me. I have had one road service call on a bike and that was handled well. Also had a curb scrape with a very expensive wheel and tire and they settled that quickly and to my satisfaction. Give them a call and see if they would insure that large a boat.

I'll second that. *My cars are with GEICO but Progressive was the best
for the boat.

I've heard some good things about Progressive and their boat
insurance. I'm not really a shopper and *I go through and independent
agent and he writes all this stuff up and bills me for it.

Good on bike insurance too, one of the few companies that will insure
off road bikes..

--
OH, I could do the 105 footer, but I would hate to waste the last few
seconds of my life with my eyes closed, screaming like a little
girl...

cool! *I'll be asking my agent about 'em.

Go online first. *Progressive and Geico both have their "direct"
counterparts online. *Why hand an agent free money? *I had a claim
several years ago when a tree branch damaged my car. *I took it to a
reputable place here and it was all handled by Progressive (I had the
cars with them at the time). *The rental was covered, too.

I've never had a claim on any of my boats and Progressive has a program
that I think they call "diminishing deductible" where your deductible is
reduced by 25% of it's original amount each year to $0 after four years
of no claims.

My dad did an online interview with Geico and compared his auto
coverage with State farm to Geico and found out they were neck and
neck. needless to say, dad didn't switch.

Now I DO like the diminishing deducible clause. That's cool.

On Sep 15, 8:45*pm, "A.Boater" wrote:
All due respect to your Dad, but nobody can compare one company to another,
unless they have actually attempted to collect on a claim from all of the
companies involved. I have NO experience with Geico whatsoever, but I can
assure you that my personal experience and the experience with my family has
been that trying to get a justified claim approved through State Farm is a
frustrating excercise in futility.

A diminishing deductible sounds absolutely sexy, as it is meant to, but will
they put you through the wringer in trying to get a due and justifiable
settlement?

Just asking.

GEICO called, and my dad had jsut paid his state farm premium, and the
GEICO agent asked to compare coverage and rate. even the GEICO rep
admitted they were even and couldn't beat it. Dad had a great driving
record and had a claim when he slid his car on some black ice in
February and Statefarfm fixed the Lincon with no hassle. Also hist a
dear, and StateFarm covered that with no problem.

I suppose there's always different experiences though.

"but I can assure you that my personal experience and the experience
with my family has been that trying to get a justified claim approved
through State Farm is a frustrating excercise in futility."

Taht's the way I feel about Country Companies. In my personal
experiences they were the first to charge and the last for service,
AND you have to be a Farm Bureau member to get their coverage, so
there's an extra $40.00 a year extortion fee.

"A.Boater" wrote in message
...
Who are you insured with? I don't know of any companies that will write a
policy for replacement value, if the boat is over about 5 years old.

A yacht policy is an agreed value policy. Also covers oil spills, and other
boat accident stuff. If the boat is damaged, they repair up to the agreed
value. Boat is totaled, you get the agreed value. BoatUS is that way. As
to insurance of 1mm on the cars, I have $$500k and for an extra $240 a year,
get a $2mm umbrella policy that covers a lot more than car accidents.

A.Boater wrote:
Who are you insured with? I don't know of any companies that will write a
policy for replacement value, if the boat is over about 5 years old.

Who are you asking? I have replacement value with Progressive, but I
bought my boat new and it is just under two years old.

Tim wrote:
On Sep 15, 7:03 pm, wrote:

Tim wrote:

It pays to shop for insurance, Tim.

Agreed. But after I'd seen what he's done against Country Companies
and State Farm, I think he does a good job. And computably speaking I
dont' know if I could really do much better, besides he's local and
I''ve seen him go to bat for other clients of his and he's got a great
reputation for service and looking out for his customers.

Honestly, I dont' know if I really sat down and did all the homework
if I'd really save that much.



My guess is that seasonal coverage with good limits, and full coverage,
should run you $300-$400 per boat, per year, since you are in a rural area.

Tim wrote:
On Sep 15, 7:10 pm, wrote:

Tim wrote:

On Sep 15, 6:07 pm, I am wrote:


In articlee0ac98bf-fee3-4d71-918e-1b18253c5db2
@f26g2000vbm.googlegroups.com, says...


On Sep 15, 5:55 pm, wrote:


Harry ? wrote:


wrote in messagenews:mfe096hi4touf5p4arlqb6nslf6jc7hf7d@4ax .com...


I let my Allstate insurance lapse because the boat is on my trailer at
my Delta house. I won't put it back in the water until next spring.
I'm doing some major and minor maintenance.
I called Foremost (they have my 3 m/c covered) and they gave me a
quote that was only $10 less than Allstate. So I'm thinking of
returning to Allstate being that they have a local office and Foremost
does not.
Or is there another company out there that you folks might recommend?
I need CA min. liability of 300K. The ACV of the boat is 22K but I'll
insure for 17K to keep my premiums down.
Allstate price is $303/yr.
Thanks for any help
Eddie
87 Regal 277XL


Progressive has been good to me. I have had one road service call on a bike and that was handled well. Also had a curb scrape with a very expensive wheel and tire and they settled that quickly and to my satisfaction. Give them a call and see if they would insure that large a boat.


I'll second that. My cars are with GEICO but Progressive was the best
for the boat.


I've heard some good things about Progressive and their boat
insurance. I'm not really a shopper and I go through and independent
agent and he writes all this stuff up and bills me for it.


Good on bike insurance too, one of the few companies that will insure
off road bikes..


--
OH, I could do the 105 footer, but I would hate to waste the last few
seconds of my life with my eyes closed, screaming like a little
girl...


cool! I'll be asking my agent about 'em.

Go online first. Progressive and Geico both have their "direct"
counterparts online. Why hand an agent free money? I had a claim
several years ago when a tree branch damaged my car. I took it to a
reputable place here and it was all handled by Progressive (I had the
cars with them at the time). The rental was covered, too.

I've never had a claim on any of my boats and Progressive has a program
that I think they call "diminishing deductible" where your deductible is
reduced by 25% of it's original amount each year to $0 after four years
of no claims.

My dad did an online interview with Geico and compared his auto
coverage with State farm to Geico and found out they were neck and
neck. needless to say, dad didn't switch.

Now I DO like the diminishing deducible clause. That's cool.

It depends where you live, too. We can suffer losses from hurricanes.
State Farm isn't a fan of that sort of risk.

A.Boater wrote:
All due respect to your Dad, but nobody can compare one company to another,
unless they have actually attempted to collect on a claim from all of the
companies involved. I have NO experience with Geico whatsoever, but I can
assure you that my personal experience and the experience with my family has
been that trying to get a justified claim approved through State Farm is a
frustrating excercise in futility.

A diminishing deductible sounds absolutely sexy, as it is meant to, but will
they put you through the wringer in trying to get a due and justifiable
settlement?

Just asking.

Progressive offers that - not sure about Geico. Progressive is great
with their claims regardless of the party at fault or if mother nature
is involved.

Califbill wrote:


"A.Boater" wrote in message
...
Who are you insured with? I don't know of any companies that will
write a
policy for replacement value, if the boat is over about 5 years old.

A yacht policy is an agreed value policy. Also covers oil spills, and
other boat accident stuff. If the boat is damaged, they repair up to
the agreed value. Boat is totaled, you get the agreed value. BoatUS
is that way. As to insurance of 1mm on the cars, I have $$500k and
for an extra $240 a year, get a $2mm umbrella policy that covers a lot
more than car accidents.
You reminded me of another thing to look for - underwater obstructions.
A friend of mine trashed his lower unit running over some unattended
fishing line. It cut the seal behind the prop and emptied the lower
unit oil. He was covered for that but had to pay his deductible.

In article ,
says...

A.Boater wrote:
All due respect to your Dad, but nobody can compare one company to another,
unless they have actually attempted to collect on a claim from all of the
companies involved. I have NO experience with Geico whatsoever, but I can
assure you that my personal experience and the experience with my family has
been that trying to get a justified claim approved through State Farm is a
frustrating excercise in futility.

A diminishing deductible sounds absolutely sexy, as it is meant to, but will
they put you through the wringer in trying to get a due and justifiable
settlement?

Just asking.

Progressive offers that - not sure about Geico. Progressive is great
with their claims regardless of the party at fault or if mother nature
is involved.

In my experience Geico does everything it can not to pay... Just my
opinon..

--
A "Teanderthal" is a person who doesn't understand what the Tea Party is
and who they represent.

On 9/16/10 7:54 PM, I am Tosk wrote:
In article1sOdnXWEN9VQOw_RnZ2dnUVZ_vWdnZ2d@giganews. com,
says...

A.Boater wrote:
All due respect to your Dad, but nobody can compare one company to another,
unless they have actually attempted to collect on a claim from all of the
companies involved. I have NO experience with Geico whatsoever, but I can
assure you that my personal experience and the experience with my family has
been that trying to get a justified claim approved through State Farm is a
frustrating excercise in futility.

A diminishing deductible sounds absolutely sexy, as it is meant to, but will
they put you through the wringer in trying to get a due and justifiable
settlement?

Just asking.

Progressive offers that - not sure about Geico. Progressive is great
with their claims regardless of the party at fault or if mother nature
is involved.

In my experience Geico does everything it can not to pay... Just my
opinon..


Does it have to do with your many fraudulent claims?