"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.