On Wed, 01 Nov 2006 13:30:17 -0500, wrote:

Look at the displacement to get the basic block size. That will be the
big jumps in price. Then the difference is going to be the way it
breathes.
Fuel economy really depends on how fast you go on these new EFI
motors. They sip gas at low RPMs no matter which size you choose. The
power comes from jamming more gas down the pipe.
Old 2 strokes were not that efficient at lower RPMs.
I know some dealer mechanics and they told me they really have as much
trouble with the Honds as they did the new Merc (the dealer handled
both). The Merc is really a Yamaha design anyway. I went with the Merc
because I had good luck with my Merc/Mariner 1989 75 2 stroke. (also a
Yammy design). I had over 3000 hours on that one when I sold it and it
was still going strong. (paid $3100, sold for $500)
I have over 1500 hours on a 2002 and I am still smiling

The motor is probably going to be my biggest decision. I normally do
all my auto work, but the logistics of having a boat away from home
are going to present a maintenance problem.
EFI with good sensors and computer control might be the biggest step
in engine improvement seen, but the Hondas are still using venturis
and I've read about these giving some owners a problem.

--Vic

"Vic Smith" wrote in message
...

I called my local State Farm agent who put me on to a Punta Gorda
agent, as required. Called the Punta Gorda agent and got this quote:
15k value 19' boat with 90hp
1k deductible.
2k personal property
100k liability
5k per person medical
Wind and flood is included.
$275 per year.

Anyway, given that quote and since I've been satisfied with State Farm
for 30 years, my inclination is to go with them. But I welcome other
opinions about boat insurance.
$21 more per year will bump the liability to 300k.

--Vic

Maybe not a big issue with that size boat, but you should ask if you are
covered for fuel spills.

Eisboch

"Vic Smith" wrote in message
...
On Tue, 31 Oct 2006 20:51:17 -0500, Wayne.B
wrote:

On Tue, 31 Oct 2006 17:49:33 -0600, Vic Smith
wrote:

Does fouling occur when the boat is used daily?

Without anti fouling paint? Absolutely.

My next step is to call my State Farm insurance agent and see if they
will insure a boat used and stored in Florida.

Frankly you would be better off with a marine policy from someone like
Boat US.

I called my local State Farm agent who put me on to a Punta Gorda
agent, as required. Called the Punta Gorda agent and got this quote:
15k value 19' boat with 90hp
1k deductible.
2k personal property
100k liability
5k per person medical
Wind and flood is included.
$275 per year.

A coast guard boat handling license will get a discount, but I forgot
to ask how much and left a message for her to call me back.
I do intend to get that license.
Then we chatted about boating down there. Not surprisingly,
she elevated my boat fever with her talk of her own experiences down
there. Her and her husband have an 18' Mako and go through Boca
Grande pass to the Gulf often when the weather is right. The pass
itself is pretty rough, but the Mako is fine in the Gulf in good
weather. I mentioned the CS is flat-bottomed and she said "uh-oh
I forgot that on the quote.
$313 per year.

Anyway, given that quote and since I've been satisfied with State Farm
for 30 years, my inclination is to go with them. But I welcome other
opinions about boat insurance.
$21 more per year will bump the liability to 300k.

--Vic

Check out BoatUS. You get a yacht policy. Covers oil spills, and is an
agreed value policy. They do not discount the value if total loss.

On Wed, 01 Nov 2006 20:48:55 GMT, "Calif Bill"
wrote:


"Vic Smith" wrote in message

Frankly you would be better off with a marine policy from someone like
Boat US.

I called my local State Farm agent who put me on to a Punta Gorda
agent, as required. Called the Punta Gorda agent and got this quote:
15k value 19' boat with 90hp
1k deductible.
2k personal property
100k liability
5k per person medical
Wind and flood is included.
$275 per year.

A coast guard boat handling license will get a discount, but I forgot
to ask how much and left a message for her to call me back.

$23. It's a boat safety certificate issued by the USCG auxiliary.

I do intend to get that license.
Then we chatted about boating down there. Not surprisingly,
she elevated my boat fever with her talk of her own experiences down
there. Her and her husband have an 18' Mako and go through Boca
Grande pass to the Gulf often when the weather is right. The pass
itself is pretty rough, but the Mako is fine in the Gulf in good
weather. I mentioned the CS is flat-bottomed and she said "uh-oh
I forgot that on the quote.
$313 per year.

Anyway, given that quote and since I've been satisfied with State Farm
for 30 years, my inclination is to go with them. But I welcome other
opinions about boat insurance.
$21 more per year will bump the liability to 300k.

--Vic

Check out BoatUS. You get a yacht policy. Covers oil spills, and is an
agreed value policy. They do not discount the value if total loss.

After more talk with the agent here's the upshot.
The policy is fixed value.
She didn't know about oil spills because she never encountered that
issue. Ever.
I didn't ask how long she has been insuring because I liked her, felt
she knew her stuff, and didn't want to be rude.
I told her that long-time boaters, some of whom may own big boats,
brought up that issue.
She insures *many* 30-40 footers, and it has never been an issue.
I told her that a number of boaters recommend BoatUS and she said I
should call them to cover the bases, but she gets a lot of switches
from BoatUS because of their premium hikes.
If I was still Oil King on my old destroyer pumping NSFO at 500gpm I
would be concerned about the environmental insurance. But it would
seem that that's what the liability side is all about anyway.
With a 19' outboard I'm not worried about it, unless somebody has a
horror story for me about a 19' outboard wiping out a bird sanctuary
because of an oil spill.
One thing this agent said to keep in mind is that if you want to lock
down every possible if and but you just may not get out of your own
way. Cute. And relevant.
Thanks for all the suggestions. I'm progressing in my education.
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.

--Vic

--Vic

"Vic Smith" wrote in message
...


She didn't know about oil spills because she never encountered that
issue. Ever.
I didn't ask how long she has been insuring because I liked her, felt
she knew her stuff, and didn't want to be rude.
I told her that long-time boaters, some of whom may own big boats,
brought up that issue.
She insures *many* 30-40 footers, and it has never been an issue.


That means the policy doesn't cover it. She knows it. That's not unusual.
Many people get insurance on their boat via a simple rider on their home
policy, but don't realize that it does not cover fuel spills or
environmental issues. It is not covered under your personal liability
coverage either.

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.

Eisboch

"Eisboch" wrote in message
...


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.



BTW, Vic, you should be aware that it is technically a fineable offense to
spill as much as a drop of gas, oil, or diesel fuel .... anything that
leaves a visible sheen on the water. It's not religiously enforced, but is
still the law.

We had a boat at our marina that was leaking diesel fuel into the bilge.
The bilge pump was, in turn, pumping it into the water everytime it turned
on. The slick was obvious and the Coast Guard and Environmental Police
showed up and started laying out floating barriers to isolate and identify
the offending boat.

Eisboch

On Wed, 1 Nov 2006 17:31:28 -0500, "Eisboch" wrote:


"Eisboch" wrote in message
...


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.



BTW, Vic, you should be aware that it is technically a fineable offense to
spill as much as a drop of gas, oil, or diesel fuel .... anything that
leaves a visible sheen on the water. It's not religiously enforced, but is
still the law.

Makes sense, and duly noted.

--Vic

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.

--Vic

On Wed, 01 Nov 2006 14:59:46 -0500, Charlie Morgan wrote:

On Wed, 01 Nov 2006 13:52:46 -0600, Vic Smith
wrote:

On Tue, 31 Oct 2006 20:51:17 -0500, Wayne.B
wrote:


How much covereage is included for environmental fines and cleanup?

None, apparently. I'll be looking at BoatUS. Thanks.

--Vic

On Wed, 01 Nov 2006 12:24:17 GMT, "Fred Miller"
wrote:


"Vic Smith" wrote in message
.. .

Snip:

Have you considered a used boat? Take a look at:
http://boatstore.floridasportsman.com/

Thanks for the link. Yeah, I have thought about that. Was going to
ask about it in Part 3 when I get there, but it's never too early to
learn.
I always buy used cars because I'm a good judge of them, and
can work on them. Used is always good value if you know what you're
buying.
But I know diddly squat about boats, and won't be able to work on the
boat I get. Right now I'm just plain scared of a used one. That
could change if get comfortable with the prospect. Big buck
difference. And I can find countless other ways to spend bucks.

--Vic