I called my insurance man about insurance for my 1979 22 ft Starcraft.
He said anything under 175 HP was covered under the household
insurance, and 170 HP was under the limit.

Casady

"Richard Casady" wrote in message
...

I called my insurance man about insurance for my 1979 22 ft Starcraft.
He said anything under 175 HP was covered under the household
insurance, and 170 HP was under the limit.

Casady


The only problem with those household insurance riders for boats is that
they rarely cover oil or fuel spill protection, if that's important to you.

Eisboch

On Sat, 23 Aug 2008 14:23:19 -0400, "Eisboch" wrote:


"Richard Casady" wrote in message
.. .

I called my insurance man about insurance for my 1979 22 ft Starcraft.
He said anything under 175 HP was covered under the household
insurance, and 170 HP was under the limit.

Casady


The only problem with those household insurance riders for boats is that
they rarely cover oil or fuel spill protection, if that's important to you.

Eisboch

Twenty foot deep Spirit Lake Iowa doesn't get waves big enough to sink
a 22 foot boat. Its only five miles wide, not much fetch. There are
more automobiles on the bottom of that lake than boats. Ice fishing.
It is actually realistic to plan on not sinking. If I decide to take
it down the Mississippi and through the ICW, I may rethink that.

Casady

"Richard Casady" wrote in message
...
On Sat, 23 Aug 2008 14:23:19 -0400, "Eisboch" wrote:


"Richard Casady" wrote in message
. ..

I called my insurance man about insurance for my 1979 22 ft Starcraft.
He said anything under 175 HP was covered under the household
insurance, and 170 HP was under the limit.

Casady


The only problem with those household insurance riders for boats is that
they rarely cover oil or fuel spill protection, if that's important to
you.

Eisboch

Twenty foot deep Spirit Lake Iowa doesn't get waves big enough to sink
a 22 foot boat. Its only five miles wide, not much fetch. There are
more automobiles on the bottom of that lake than boats. Ice fishing.
It is actually realistic to plan on not sinking. If I decide to take
it down the Mississippi and through the ICW, I may rethink that.

Casady

Your call. You don't have to sink a boat to get a half million dollar
clean up bill from the government.
Realistically, a small outboard powered boat is a safer risk than an
inboard. If the oil pan rusts out or develops a leak, on an I/O, dumps the
oil into the bilge and your trusty bilge pump promptly discharges it
overboard .... *that's* when you may have problems without oil spill
coverage.

Eisboch

On Sun, 24 Aug 2008 12:18:34 -0400, "Eisboch" wrote:

If the oil pan rusts out or develops a leak,

Oil pans don't rust out around these parts. No salt.

Casady

Richard Casady wrote:
On Sun, 24 Aug 2008 12:18:34 -0400, "Eisboch" wrote:

If the oil pan rusts out or develops a leak,

Oil pans don't rust out around these parts. No salt.

Casady

As he said, do what you think is in your best interest, but the law is
written so that ANY gas/oil that will leave a sheen on the water can
result in HIGH fines. Technically if you overfill your gas tank and a
ounce of gas ends up in the water, you could face an outrageous fine.

This is the reason why all marinas I ever visit require the boat owner
to fill their tanks. That way they are not responsible for overfilling
a tank.

On Sat, 23 Aug 2008 18:15:07 GMT, (Richard
Casady) wrote:


I called my insurance man about insurance for my 1979 22 ft Starcraft.
He said anything under 175 HP was covered under the household
insurance, and 170 HP was under the limit.

Word of advice - find out exactly what the policy covers for your boat
and what it pays in the event of total loss.

Been there, done that and it wasn't pretty.

On Sat, 23 Aug 2008 19:50:22 GMT, Short Wave Sportfishing
wrote:

On Sat, 23 Aug 2008 18:15:07 GMT, (Richard
Casady) wrote:


I called my insurance man about insurance for my 1979 22 ft Starcraft.
He said anything under 175 HP was covered under the household
insurance, and 170 HP was under the limit.

Word of advice - find out exactly what the policy covers for your boat
and what it pays in the event of total loss.

Been there, done that and it wasn't pretty.

The boat cost me about two days income.

Casady