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