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 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

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