Advice needed on storing boat in Florida - Part 2
 

Advice needed on storing boat in Florida - Part 2
 

Advice needed on storing boat in Florida - Part 2
 

On Wed, 01 Nov 2006 16:11:09 -0600, Vic Smith
wrote:

I will call BoatUS tomorrow and report back, mainly because I don't
ask for advice then ignore it out of hand.
But unless their premium is 100 bucks better, I'll stay with State
Farm because of my claims experience with them.

The premium is likely to be more with Boat US but you will be dealing
with a company that writes marine insurance and understands boats.

If you ever have a claim, that makes a huge difference in how things
get handled. Many years ago I insured one of my old sailboats with
State Farm because they had good rates. Long story follows but it was
a big mistake.

Advice needed on storing boat in Florida - Part 2
 

On Thu, 02 Nov 2006 03:30:59 GMT, Jack Redington
wrote:

wrote:

Vic Smith wrote:

I'm already pretty much set on a 4-stroke. What I said was in answer
to the suggestion I get max rating for the boat. The 19-footer I'm
looking at is rated 90hp. I'm thinking 50hp will cost less, suit my
needs, and use less gas. But I'm not sure about that.



Oh, I know, Vic, I was simply comparing the newer 4 cycle, to the older
2 cycle. just for comparison. Don't know about the E-TECs and the like.


Boat rated for 90 and you think 50 will do? Maybe, and maybe not. How
about splitting the difference with a 75?


The problem gets to be that one does not really know how any power/boat
package is going to be until they try it and see if it performs as one
wants for the intended use. I think going with the max HP just because
one can is foolish. Unless that is what makes the package when the
purchaser wants. Of course one does not want to have a under powered
boat either. But consider this.

Lets say you know that a boat will perform the way you want with Xhp.
Plane good (no struggeling) and get you where you want to go in the
fashion you enjoy.

But the boat is also avaiable with twice the HP that you feel you would
be confortable with. You may end up paying more for gas. More for
insurance. And more for maintance only to get maybe slightly more as
resale. Beleive me most of this stuff depreciates pretty good. When one
pays say 35k for a boat package with the max hp and could have gone for
30k with somthing that would have made them just as happy. 10 years
later the price difference is not going to be that big.

So the trick is to get the combination that you need. Not what someone
else needs.

Capt Jack R..

A friend of mine owns this boat: http://tinyurl.com/y4lqo4
which, as you can see, can be powered with up to 285 hp. He has a Honda 90,
4 stroke, on it. He's happy with it, even though it's not the speediest
boat on the bay. It will plane, but not quickly. He cruises comfortable at
about 18-20 mph, and has no desire to go a lot faster. He does a lot of
trolling, gets good gas economy, and is most satisfied.

Your philosophy works.

Advice needed on storing boat in Florida - Part 2
 

On Wed, 01 Nov 2006 16:47:14 -0600, Vic Smith
wrote:

On Wed, 1 Nov 2006 17:22:48 -0500, "Eisboch" wrote:

"Vic Smith" wrote in message
. ..


My opinion is that it is a mistake not to have fuel spill coverage. A
marine insurance underwriter will know exactly what it is and it will be
included ... usually around 500K worth.

If your boat sinks or submerges and the fuel leaks, the fines can be huge.
The feds do the clean up and then come looking for you for reimbursement.

Good enough for me. Looks like I'll be seriously checking out BoatUS
tomorrow.

I called their 800 number, talked to 2 different people who thought
they were hooking me to an underwriter but just shunted me to a dial
tone, warned the third person about that, and she shunted me to a
voice mail.
The web site wants too much info to provide a quote.
I'll try earlier tomorrow, but I already don't like them.

--Vic

Advice needed on storing boat in Florida - Part 2
 

JohnH wrote:
On Thu, 02 Nov 2006 03:30:59 GMT, Jack Redington
wrote:


wrote:


Vic Smith wrote:


I'm already pretty much set on a 4-stroke. What I said was in answer
to the suggestion I get max rating for the boat. The 19-footer I'm
looking at is rated 90hp. I'm thinking 50hp will cost less, suit my
needs, and use less gas. But I'm not sure about that.



Oh, I know, Vic, I was simply comparing the newer 4 cycle, to the older
2 cycle. just for comparison. Don't know about the E-TECs and the like.


Boat rated for 90 and you think 50 will do? Maybe, and maybe not. How
about splitting the difference with a 75?



The problem gets to be that one does not really know how any power/boat
package is going to be until they try it and see if it performs as one
wants for the intended use. I think going with the max HP just because
one can is foolish. Unless that is what makes the package when the
purchaser wants. Of course one does not want to have a under powered
boat either. But consider this.

Lets say you know that a boat will perform the way you want with Xhp.
Plane good (no struggeling) and get you where you want to go in the
fashion you enjoy.

But the boat is also avaiable with twice the HP that you feel you would
be confortable with. You may end up paying more for gas. More for
insurance. And more for maintance only to get maybe slightly more as
resale. Beleive me most of this stuff depreciates pretty good. When one
pays say 35k for a boat package with the max hp and could have gone for
30k with somthing that would have made them just as happy. 10 years
later the price difference is not going to be that big.

So the trick is to get the combination that you need. Not what someone
else needs.

Capt Jack R..


A friend of mine owns this boat: http://tinyurl.com/y4lqo4
which, as you can see, can be powered with up to 285 hp. He has a Honda 90,
4 stroke, on it. He's happy with it, even though it's not the speediest
boat on the bay. It will plane, but not quickly. He cruises comfortable at
about 18-20 mph, and has no desire to go a lot faster. He does a lot of
trolling, gets good gas economy, and is most satisfied.

Your philosophy works.

Nice looking boat - And thanks :-)

Capt Jack R..

Advice needed on storing boat in Florida - Part 2
 

Vic Smith wrote:

I called their 800 number, talked to 2 different people who thought
they were hooking me to an underwriter but just shunted me to a dial
tone, warned the third person about that, and she shunted me to a
voice mail.
The web site wants too much info to provide a quote.
I'll try earlier tomorrow, but I already don't like them.

Don't judge too quickly. As I recall they gave me an
accurate quote from the web site. When I had a claim they
were responsive and generous.

-rick-

Advice needed on storing boat in Florida - Part 2
 

On Thu, 02 Nov 2006 20:03:21 -0800, -rick- wrote:

Vic Smith wrote:

I called their 800 number, talked to 2 different people who thought
they were hooking me to an underwriter but just shunted me to a dial
tone, warned the third person about that, and she shunted me to a
voice mail.
The web site wants too much info to provide a quote.
I'll try earlier tomorrow, but I already don't like them.

Don't judge too quickly. As I recall they gave me an
accurate quote from the web site. When I had a claim they
were responsive and generous.

I'm forging ahead on the phone. The website is lame for my quote.
Wants my address 1200 miles away from where the boat will be,
has a nine-yard app, including DOB, drivers license number, etc.
Surprised they didn't want scars, tattoos and fingerprints.
And they call it "Quick Quote." ............
Just talked to somebody there and my notes are
19' CS 75hp
15k value
150 deductible
1000 hurricane deductible
500k fuel spill
300k lia
5k pers inj
300k uninsured boater
Premium is $867 per year.
10% discount for boat safety course.

I now see salvage and towing wasn't mentioned.
They will send the quote info in the mail, and maybe
it will be explained in that package.


I've got a call in to a different State Farm agency where
I'll ask about the fuel spill, salvage, uninsured info I didn't get
at the first agency. Don't have high hopes there, but will cover it.

I'm also going to call RVAmerica.
Anybody used them? Or recommend a different marine insurer?

I'm in no hurry, so expect to become to become well versed on insuring
a 19' CS with 75hp in Charlotte Harbor.

--Vic

Advice needed on storing boat in Florida - Part 2
 

On Fri, 03 Nov 2006 14:03:16 -0600, Vic Smith
wrote:


Premium is $867 per year.
10% discount for boat safety course.

I now see salvage and towing wasn't mentioned.
They will send the quote info in the mail, and maybe
it will be explained in that package.


I've got a call in to a different State Farm agency where
I'll ask about the fuel spill, salvage, uninsured info I didn't get
at the first agency. Don't have high hopes there, but will cover it.

I know this is OT, but thought something boat related might cheer up
a group becoming more and more morose because of the up-coming
election. But since this about insurance, that may be an oxymoronic
statement.
I've found in heavy googling indications that State Farm boaters
insurance covers environmental cleanup in the liability portion of the
policy. Here's one instance related to a Tacoma marina disaster
that some may find interesting.
http://www.goboating.com/cgi-bin/ult...c;f=1;t=005604

Nothing I've found is conclusive, and I'm waiting for more policy info
to nail it down before I make my decision on boat insurance.
At present, I think I can do better than the BOAT US policy with
a different marine insurer, but won't look into that until I get my
State Farm answer.

--Vic

Advice needed on storing boat in Florida - Part 2
 

On Sun, 05 Nov 2006 13:07:24 -0600, Vic Smith
wrote:


I've found in heavy googling indications that State Farm boaters
insurance covers environmental cleanup in the liability portion of the
policy. Here's one instance related to a Tacoma marina disaster
that some may find interesting.
http://www.goboating.com/cgi-bin/ult...c;f=1;t=005604

Nothing I've found is conclusive, and I'm waiting for more policy info
to nail it down before I make my decision on boat insurance.
At present, I think I can do better than the BOAT US policy with
a different marine insurer, but won't look into that until I get my
State Farm answer.

According to a Florida State Farm agent, who talked to an underwriter
for me, the State Farm boat policy covers the spill/enviromental only
up to the insured boat coverage, and then only if caused by casualty,
not mechanical failure. In essence, no coverage, since the casualty
itself will wipe out the insured amount.
The homeowners umbrella liability mentioned by the insured in the link
above may or may not be an option for spill/environmental. Somebody
on the net saying his agent told him so doesn't float my boat.
I will continue my quest of the golden fleet. Since I don't golf,
got nothing better to do.

--Vic