JAXAshby wrote:
Hi, I'm planning on buying a very inexpensive ~26 foot sail boat. I know
most marinas require some sort of insurance, right? How about transient
anchorages, moorings, etc run by the county/state? The boat is so
inexpensive that I wouldn't really care if it were a complete loss, so the
only insurance I'd get would be that which is required. Is that liability
insurance? Is there some sort of standard liability insurance or something
else super cheap? Thanks!


boats under 26 feet (actual) and 15 (?) hp usually are covered without
additional fee under your homeowners/renters policy. if you home/rent and/or
larger boat, many standard insurance companies (Allstate, for instance) will
sell a liability only policy on boats. Most marine insurance agents don't want
to even hear of libability only policies. Too little commission to be worth
the effort. They tell such doesn't exist.

I would add however, that you should not assume your homeowners
insurance automatically covers your boat. Years ago I was in a similar
situation and found my homeowners policy *would* cover liability, but it
required a rider on the policy and an additional small premium.

Eisboch

"Eisboch" wrote in message
...
JAXAshby wrote:
Hi, I'm planning on buying a very inexpensive ~26 foot sail boat. I
know
most marinas require some sort of insurance, right? How about
transient
anchorages, moorings, etc run by the county/state? The boat is so
inexpensive that I wouldn't really care if it were a complete loss, so
the
only insurance I'd get would be that which is required. Is that
liability
insurance? Is there some sort of standard liability insurance or
something
else super cheap? Thanks!


boats under 26 feet (actual) and 15 (?) hp usually are covered without
additional fee under your homeowners/renters policy. if you home/rent
and/or
larger boat, many standard insurance companies (Allstate, for instance)
will
sell a liability only policy on boats. Most marine insurance agents
don't want
to even hear of libability only policies. Too little commission to be
worth
the effort. They tell such doesn't exist.

I would add however, that you should not assume your homeowners
insurance automatically covers your boat. Years ago I was in a similar
situation and found my homeowners policy *would* cover liability, but it
required a rider on the policy and an additional small premium.

Eisboch

I would also highly recommend tow inusrance :-)

In article ,
P.Fritz wrote:

Hi, I'm planning on buying a very inexpensive ~26 foot sail boat. I
know
most marinas require some sort of insurance, right? How about
transient
anchorages, moorings, etc run by the county/state? The boat is so
inexpensive that I wouldn't really care if it were a complete loss, so
the
only insurance I'd get would be that which is required. Is that
liability
insurance? Is there some sort of standard liability insurance or
something
else super cheap? Thanks!

I would also highly recommend tow inusrance :-)

On a SAILboat?

Why? What's wrong with the sail(s)? If the motor fails, use the wind!

--
--
Karl Denninger ) Internet Consultant & Kids Rights Activist
http://www.denninger.net My home on the net - links to everything I do!
http://scubaforum.org Your UNCENSORED place to talk about DIVING!
http://www.spamcuda.net SPAM FREE mailboxes - FREE FOR A LIMITED TIME!
http://genesis3.blogspot.com Musings Of A Sentient Mind

"Karl Denninger" wrote in message
news:Pi8dd.31592$bk1.3423@fed1read05...

In article ,
P.Fritz wrote:

Hi, I'm planning on buying a very inexpensive ~26 foot sail boat. I
know
most marinas require some sort of insurance, right? How about
transient
anchorages, moorings, etc run by the county/state? The boat is so
inexpensive that I wouldn't really care if it were a complete loss,
so
the
only insurance I'd get would be that which is required. Is that
liability
insurance? Is there some sort of standard liability insurance or
something
else super cheap? Thanks!

I would also highly recommend tow inusrance :-)

On a SAILboat?

Why? What's wrong with the sail(s)? If the motor fails, use the wind!

Running aground,, rigging failure, for two.....For the cost of the
insurance, vs. the one time cost of towing.....it is well worth it.



--
--
Karl Denninger ) Internet Consultant & Kids Rights
Activist
http://www.denninger.net My home on the net - links to everything I do!
http://scubaforum.org Your UNCENSORED place to talk about DIVING!
http://www.spamcuda.net SPAM FREE mailboxes - FREE FOR A LIMITED TIME!
http://genesis3.blogspot.com Musings Of A Sentient Mind

I would add however, that you should not assume your homeowners insurance
automatically covers your boat. Years ago I was in a similar situation
and found my homeowners policy *would* cover liability, but it required a
rider on the policy and an additional small premium.


I second this advice, as our homeowner's insurance policy covers our small
(125 hp, 19 ft) powerboat with a liability rider which costs $100 per year.