"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 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

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-

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

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.