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
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"My rod and my reel - they comfort me."

St. Pete, 12 Lb. Test