Do you have liability insurance for your boat?

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lugoismad
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Do you have liability insurance for your boat?

Post by lugoismad »

Ohio doesn't require I have it, but I decided it would probably be worth it.

My big concerns were if I sank and the gas/oil in the boat get into the water and the state going after me, or if I messed up and hit someone else / a dock. Not that I plan on it! But I've done stupider things.

Called a few places, and got insurance through progressive for $100 a year for a quarter million in liability coverage.
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TNtroller
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Location: E TN

Do you have liability insurance for your boat?

Post by TNtroller »

Sounds about right. I have progressive on my boat, $100/yr as well.

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onthewater102
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Do you have liability insurance for your boat?

Post by onthewater102 »

I live in Connectistan...our premiums are much higher...but that factored in $100 sounds reasonable.
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bobberboy
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Do you have liability insurance for your boat?

Post by bobberboy »

Progressive. $100/year

PsychoXP18CC
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Joined: 05 May 2013, 14:48
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Location: Kaufman, Tx

Do you have liability insurance for your boat?

Post by PsychoXP18CC »

Full coverage thru Progressive here. $246 a year, and if I take a total loss, and live thru it, my handle becomes PsychoHB20, ready to fish.
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nowgrn4
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Location: Florida

Do you have liability insurance for your boat?

Post by nowgrn4 »

Yep, both rigs.
17' Pro-Line 115HP DI Johnrude Bay rig
1652 Weld-Craft 50HP Johnrude fish camp rig
17' Grumman canoe 3.3HP Johnrude on side mount creek runner

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Keystone
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Do you have liability insurance for your boat?

Post by Keystone »

Full coverage as my rig is only a year old.
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SquiggyFreud
Posts: 85
Joined: 17 May 2013, 12:12
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Location: Lafayette, LA

Do you have liability insurance for your boat?

Post by SquiggyFreud »

State Farm have full coverage/total replacement insurance. 290 a year. Also got a 10% discount for boater safety class.

JMichael
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Joined: 19 Jan 2012, 07:44
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Location: Northeast Arkansas

Do you have liability insurance for your boat?

Post by JMichael »

Only required for boats with 50hp or larger motors in AR.

Seon
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Location: Lake Camanche, CA

Do you have liability insurance for your boat?

Post by Seon »

Hummm, I thought I replied to this (?).

Any event, when buying full coverage, please understands there's a difference between "replacement value" and "agreed value".

Replacement pays for replacement MINUS depreciation.

Agreed pays in full of the agreed value, no depreciation plus pays any salvage fees.

SquiggyFreud
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Location: Lafayette, LA

Do you have liability insurance for your boat?

Post by SquiggyFreud »

Seon wrote:Hummm, I thought I replied to this (?).

Any event, when buying full coverage, please understands there's a difference between "replacement value" and "agreed value".

Replacement pays for replacement MINUS depreciation.

Agreed pays in full of the agreed value, no depreciation plus pays any salvage fees.
Good Point, just checked my policy...$234 a year and agreed value of 13k.

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Loggerhead Mike
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Do you have liability insurance for your boat?

Post by Loggerhead Mike »

yes, because I payed more for my boat than i did my truck :LOL2:

hipster dufus
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Location: monroe ga

Do you have liability insurance for your boat?

Post by hipster dufus »

boat us. agreed value. took a boater safety class online for 10% discount. got towing included. 140 a year. am getting ready to retire. wont be able to afford a new one if something happened. check em out

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Callmecaptain
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Do you have liability insurance for your boat?

Post by Callmecaptain »

Just got quoted $154 /yr from Foremost, includes Liability, Personal Property, Trailer and Boat. Granted my boat is only worth $5k-$6k but I just wanted to be covered if I park my boat outside and someone steals it.. (*knocking on wood)

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Jim
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Do you have liability insurance for your boat?

Post by Jim »

digi wrote:Just got quoted $154 /yr from Foremost, includes Liability, Personal Property, Trailer and Boat. Granted my boat is only worth $5k-$6k but I just wanted to be covered if I park my boat outside and someone steals it.. (*knocking on wood)
Peanuts! Worth it in my opinion.

Are you covered if your trailer comes off while towing and causes damage?
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