Q: list of insurance companies to shop

[AirTool]

I am an Allstae agent

Send me a PM with the typical coverage limits and your coverage reduction or increased deductible for named storms or wind storms....basically any event that reduces the coverage ...I want to know about it.

I keep my boat in a storage barn w/ gated access zip code 77493

Boat is a 2006 206 w/team edition...all factory/stock.

[Nauty G]

I am an Allstae agent who owns a G. So of course I am bias, but we will also put your boat in storage coverage for our insureds during their off season, which will save them even more $$$. We are a great company, with great coverage and stand behind you in the event you have a covered loss. I would not be afraid of State Farm either, for many reasons. We are number 1 & 2 in this industry for a reason and have the $$$ behind us to take care of your loss. I don't want to see you nickeled n dimed to death by your insurance, but you have a serious investment in your nauty, don't screw around with protecting your investment. Do it right n get Allstate. Wow how's that for a plug....lol...seriously though, I am serious about my boat n bought the best why wouldn't I protect it with the best company out there!

[SANTE230OH]

+1 for Allstate

[Petey210]

Does anybody have any claims experience w/ Boaters Insurance Agency? There coverage seems to be significantly better than Progressive and cheaper. They offer seperate deductible for the trailer, unlimited coverage for on the water towing, better total losss replacement policy, and pollution liablity coverage to name a few. I will about to make a switch just looking for some feedback on their claim service. Appreciate it.

[BoardNBama]

I have skisafe.Progressive had cheaper rates and didn't ask how many months per year I used the boat. Skisafe had it figured for 6 months. So reading the internet about progressive, I started hearig people having many issues with them. I checked with State Farm (whom I have everything else with) and they were quite a bit higher they said b/c most people insure boats for summer then drop the policy. I have a quote fro BoatUS which is higher, but coverages are higher. I'm still up in the air about who to choose.

[jeepn]

Isn't SkiSafe a site sponsor? I have been with them for 13 years, have never had a claim, so I don't have any insight to their claim service. I was in need of a copy of my policy once though, and they were able to email it to me quickly.

I am also a USAA auto/home insurance customer and was very disappointed in their insurance rates for the Ski Nautique.

[BoardNBama]

We've been through several discussions on insurance....but I'm shopping to replace Progressive. Here are the companies I'm considering.

The two main considerations for me are 1: high liability limits and 2: wind or named storm coverage.
Maybe the latter is governed by the State...TBD.

Here are the ones I'm considering. Any comments to add or avoid would be helpful.

Alphabetical order:

Boat U.S.
Geico
Ski Safe
Travelers
Maybe State Farm but only because I know an agent that owns a Nautique.

This is perfect timing! I am currently looking to get insurance and have been reading so many mixed reviews. Looking forward to see which company prevails!

[obd666]

I had good luck with Global Marine.

as have i

[jsta281]

United Marine Underwriters way cheaper then USAA/progressive. I love USAA for my auto personal property was surprised by how expensive for boats.

I have never has to make a claim so I don't know anything about customer service.

[bblueg]

I found the best rate through my current insurance provider: Allstate

We have Allstate home, auto and also other watersports toys.
Added the G this year. $625/ yr. 1000 ded. The nice thing is that the "shore damage" deductible is only $250 (running aground, hull damage, etc.)

[AirTool]

I have mine covered by progressive/USAA. USAA has program set up through progressive since they do not cover boats. My rates are $900/12 months. Have had good success with them on claims in the past.

That's the coverage I'm getting rid of....Progressive through USAA.

[eff1fitty]

I have mine covered by progressive/USAA. USAA has program set up through progressive since they do not cover boats. My rates are $900/12 months. Have had good success with them on claims in the past.

[AirTool]

One problem I found when shopping for insurance is make sure they understand you may not always be driving the boat. I bought a ski boat because I like to ski.

That's a good point. IIRC, Progressive told me that if any one individual that didn't live with me drove the boat on more than 12 separate days a year,....they needed to be listed as a driver.

I think I'm going to start a list of questions:

1. Drivers
2. Named stormed coverage
3. Wind storm coverage
4. Coverage in my boat barn
5. Coverage while traveling
6. Disappearing deductible (I had w/Progressive)
7. Deductible/Limits
8. Value

Note I have low horsepower and stock stereo.

[toddrswenson]

Global Marine

[DanielC]

One problem I found when shopping for insurance is make sure they understand you may not always be driving the boat. I bought a ski boat because I like to ski.

Some insurance companies may want personal information, and driving records of anyone who drives your boat.