Jump to content
  • GUESTS

    If You  want access  to member only forums on FM, You will need to Sign-in or  Sign-Up now .

    This box will disappear once you are signed in as a member.

  • 0

Boat insurance


minneman

Question

which company do you prefer for insuring your boat and why?

I did a search for some info but the "search" on this site is totaly useless.

Link to comment
Share on other sites

16 answers to this question

Recommended Posts

  • 0

I went with the same company that I have my home owners through. Makes things much simpler.

Link to comment
Share on other sites

  • 0

I go through American Family. Replaced one boat for me and just repaired another. Have been great to deal with and they don't cost an arm and a leg.

Link to comment
Share on other sites

  • 0

Same as my auto insurance for the ease of dealing with people I know and already deal with.

State Farm Insurance.

Link to comment
Share on other sites

  • 0

I go through American Family. Replaced one boat for me and just repaired another. Have been great to deal with and they don't cost an arm and a leg.

I have AmFam for everything except (main) boat, and I will be switching to them for boat very soon. Rates are better for same coverage in the past year, not sure why, but they were not a few years ago. I currently have Angler Advantage, and (thankfully) never have used them, but they are a top notch company for boaters. I insurance shop/compare every couple/few years, and found AmFam is really good on price and so far on one hail damage claim.

A note - I took a Coast Guard Class on Boating/Seamanship about 13 years ago (while doing volunteer Sheriff Water Patrol training), and AmFam and Angler Advantage give a discount to people who have boating satefy certificates. I think it is good anyway for safety sake, and you learn ALOT even if you think you are experienced, but it also gets you 10%-15% off on your rates. Good deal to look into.

Link to comment
Share on other sites

  • 0

I have state farm, I've never had to use it so I can't speak to their claim service. $6k in coverage (my old boat) is $90 per year, $10k in coverage (my new boat) is $150 per year.

Link to comment
Share on other sites

  • 0

I have Anglers Advantage also. I've never had to make a claim, so I can't comment on thier service in that area.

2 years ago they had the best rates for the most coverage. It's always a good idea to shop insurance every 3 to 4 years.

If you fish any tournaments make sure your insurance will cover you, alot of the policies don't cover you in tournaments (even small local club tournaments) without a special rider.

Link to comment
Share on other sites

  • 0

I used American Family for 26 years. House, cabin, two vehicles, and two boats. Service has been great although I have had very few claims. Only one major claim and that was hail/weather damage. They treated me wonderfully.

I recently competitively bid out all of my insurance policies to a number of national and local providers. What an eye opening experience. On an "apples to apples" basis the new provider I selected saved me over $1100. I made some tweaks to a couple deductibles and the savings went to over $1300. American Family wasn't the most costly provided but was on the high end.

I ended up having all my policies with Auto Owners. Its only been two months so I cannot comment on the service. However I sure like the savings.

Link to comment
Share on other sites

  • 0

I'd stick with what you are comfortable with. I know you might save a few bucks here and there depending on your insurer, but I don't consider boat insurance relatively expensive anyways. I stuck with my auto insurer plainly because they've gone to bat for me in the past in regards to auto claims I've had.

Link to comment
Share on other sites

  • 0

I just switched to Auto Owners also and it was just a few months ago so I cannot make a statement on claims. There rates are very reasonable, let's home the claim service is the same.

Link to comment
Share on other sites

  • 0

I would discourage Auto Owners I am having some bad issues with them and my agent especially, in fact I just filed a complaint with the MN Dept of Commerce and will end up in court. I am in the process of switching everything over. Let's say if they can screvv you they will, anytime, but that's all insurance anyways.

I am going with Am Fam or State Farm, anybody knows about Safeco ?

Link to comment
Share on other sites

  • 0

Valv,

Check out Illinois Farmers also. Good rates, good service. Been with them for years.

Link to comment
Share on other sites

  • 0

I have everything through Am Family. I have made 1 claim on my home for storm damage and had a check in my hand less than a week later. I used to be with state farm (which was more expensive) and I ended up fighting tooth and nail with them over an auto claim which ended up going to court , and I won .

It's great to save a bit on the premiums but I am willing to pay a bit more for the customer support end,knowing if i do have something bad happen it will be taken care of without issues.

Link to comment
Share on other sites

  • 0

I am going with Am Fam or State Farm, anybody knows about Safeco ?

Valv, Safeco has been pretty good for us for our Auto insurance. We had some hail damage recently and they had great customer support. They were just purchased by Liberty Mutual a few months ago; I believe they are planning on keeping the Safeco brand though. We have the boat and house insured through Chubb.

LB

Link to comment
Share on other sites

  • 0

I have all of my insurance with Am. Family and been very happy with them for 20+ years and numerous claims including a $50,000 straight line winds claim.

Never an issue to date with them.

Link to comment
Share on other sites

  • 0

State farm for all of our insurances... always been good to us.

Link to comment
Share on other sites

  • 0

My advice is to get a local agent, preferably an independent who can get quotes from several companies. I have had numerous incidents where I can call Mike and ask whether it makes sense to make a claim - mostly the <$1,000 kid deals. I could have scored some bucks but Mike was able to tell me what the long term cost would be given the claim history. I don't think you can get that from some outfit you got on the computer.

Also every person that I have referred to Mike has come back and said that he's saved them money from their previous provider.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.


  • Your Responses - Share & Have Fun :)

    • Rick G
      Work has pretty much kept me from fishing since late May😕 Did have the chance to hit the water for a few hours yesterday. I opted to hit the river for some smallie action with my limited time. The Sippi didn't disappoint, the brown bass had the feed bag on big time!. I hooked over 30 fish in 3 hrs, most being 15-17inchers with a few bigger and a few smaller mixed in.   Weightless stick baits rigged on a 1/0  is all I needed to throw.  
    • manfromlaramie
      Hi all - new to the forum.  I live in NE Wyoming and am an avid fly fisherman.  While I love fishing for trout out west, warm water species on the fly is a blast.   Me and a buddy are headed out this coming weekend for a BWCA trip.  We have a couple of days on the front end of the trip to fish.  I'm planning on towing my drift boat from NE Wyoming and have spot picked out in North Dakota to float for smallies on the fly.  I'm looking at trying to get an additional float in somewhat near Ely before our entry into the Boundary Waters.  It's a 16' drift boat and doesn't really draft much.  I'm planning on having a small trolling motor just in case I need some additional power.  Looking mainly to target smallmouth and pike.   I've looked at a few areas to float, but wanted some advice.  I have a few options that I think meet what I'm looking for:   1) St. Louis River near Hoyt Lakes.  Looked like there are couple of access points to launch and take out below Hwy 110 2) Cloquet River - Hwy 7 to the mouth. 3) Bigfork River - From Ivan Crawford to Reedy Flats   Can anyone provide any advice these or provide any other recommendations?   Thanks in advance!  
    • gimruis
      I have been doing pretty good bass fishing locally.  A lot of numbers, but lacking in really big quality fish that I have caught the last two seasons.  Biggest I could catch this season so far is 18 inches.
    • leech~~
      Welcome to the forum. Downriggers work best for suspended fish in deep water. Most river's are shallow and rocky. If you want to fish the bottom in a river a bottom bouncer might be best to not lose a lot of expensive gear. Imo. Good luck. 
    • DeEon
      I have a Cannon Optima and Iam anxious to try downriggers for walleye.  There is a bottom tracking feature on Optima.  I think most walleyes are close to bottom so I think it is a good tactic.  I am, however, nervous about using Fishhawk XD4 with on river.  A screwup would really be expensive!
    • smurfy
      i'm not real involved yet. my first meeting. long story but my parents belonged to it years ago. after the cabin lake had the 2 consecutive years of severe winterkill i dogged the heck out of the fisheries people in grand rapids.🤭 i found out through the watershed assoc they talked them into restocking sunfish and bass into the lake. they did that this past june. so i figured for the 15 bucks join!!!!!   my next battle is with the township......🤣 trying to get them to grade part of our road going into the cabin!!!!! i already sent the letter but havent heard from them yet. since i've retired from being a union thug.......i gotta pick a few battles to keep my skills sharp!!!!!!!!🤪🤭👍
    • Kettle
      That's awesome that you are involved in that! I hope you have a good trip up!
    • smurfy
      I'm heading up sometime the last week in Aug . I joined the Jessie lake watershed assoc and they have a meeting on the 27 I want to attend.
    • Kettle
      Definitely in the dog days of summer. Catching a few walleye here and there on the river. Hasn't been too hot which makes me hopeful for an early fall fishing season. I'll post more when the fish turn their feed bags on and the leaves start falling. Until then I'll just work more and get winter gear ready
    • Kettle
      Definitely in the dog days of summer. Catching a few walleye here and there on the river. Hasn't been too hot which makes me hopeful for an early fall fishing season. I'll post more when the fish turn their feed bags on and the leaves start falling. Until then I'll just work more and get winter gear ready
×
×
  • Create New...

Important Information

By using this site, you agree to our Terms of Use and Privacy Policy. We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.