"Eisboch" wrote in message
...

"Dave Hall" wrote in message
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Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall


Both of our boats (the Navigator and the Grand Banks) are insured by a
major, international marine underwriter.
A survey was not required for either boat to get insurance as best as I
can recall. We may have sent copies anyway, to document the boats'
equipment inventories and to provide engine serial numbers and stuff, but
I don't recall a survey as being specifically required to obtain coverage.
The coverage includes replacement cost, $2 million liability, damage by
uninsured others, fuel spill and, surprisingly, storm and or ice damage
during storage (assuming certain precautions are taken). They also cover
half the cost of emergency hauling in the event of severe storms, which I
didn't know until I read the policy carefully the other day.

Years ago with smaller boats I originally got "insurance" as a low cost
rider on our home owner's policy.
Then I found out it covers next to nothing, including fuel spills, which
scared the bananas out of me. You don't want to be uninsured for fuel
spills, have an "event" and then have the Fed coming after you for
reimbursement.

Eisboch



And if you have a small cheaper boat, you probably only get liability
insurance, and since the company is not paying for boat loss, probably no
survey needed. My boat cost $20k in 1995 and is probably worth $25k now.
New motor and a T-8 kicker added. And the replacement boats like mine are
now $50-75k. BoatUS has never asked for a survey.