The one thing you need to watch with insurance when you tie it into your homeowners/auto etc policy is that if you collect on the boat, your other policies can be affected.

With respect to Boat US, I have it with them as well as the Vessel Assist Towing service – and very pleased. I pay a little more, but the coverages are allot higher and deductions lower.

Keith,

My experience is with one incident and this is what I understand: First; the protest hearing is not to determine "fault". Only to assess scoring penalties for the boat(s) that broke a rule. This keeps the race committee out of any legal crap. Second; the insurance company will take the findings of the race committee into account - but they will likely consult someone for the general "rules of the water" as well. The documentation of the protest hearing are just one thing they use to try and establish facts when evaluating the claim for fault.

That sounds a little high for spillage.
Can a beach catamaran actually carry $500,000.00 worth of beer?

Just got a quote from Progressive for a new Blade & trailer, $220. Over the phone, probably the easiest phone transaction I've ever made. May not even bother with more quotes!

re: the '93 Hobie 20. Signed with Farmer's for $101, I'm happy with the premium, "knock on wood" that I'll never have to tell about how they handle claims.

Unfortunately, insurance of all sort is expensive in Florida.

Oh Yea ?
My 2002 Spitfire cost me Euro 500 last May. When I got a new one last month, I had to pay an extra Euro 25 to cover me to next May

That is expensive

Tell me more about sailing in Ireland, maybe on a new thread? I'd be interested in broadening my horizons as it were!

I think you mentioned something in another thread about listening to a transistor radio while doing a coastal race?

Pete:

Does Progressive cover racing and the sails during racing? Is the coverage replacement value or depreciation?

Doug

I'll email you a copy of the quote.

That was the Live Aid concert in 1985 - A few years ago
Check out www.catamaran.ie and www.blsc.ie for cat sailing in Ireland.

That was my experience as well. Yes, they cover sails and racing. It also covers the boat while trailering. It is also a "replacement" policy and not an "agreed value" policy. I.E. if your boat is destroyed they pay out what it takes to replace the boat with same year or newer...whichever is available. Also to my surprise, I received a letter last fall saying that because I had not made a claim, my $500 deductable was just reduced by $125. It will continue to be reduced by $125 every year that I do not have a claim until it is at $0.

That being said, I've never made a claim on my policy, so I can't speak for what their response might be...hopefully it would be as sharp as their up front work.

On the deductible thing, be sure to ask how much more a $0 deductible policy would cost. Several years ago I had a JY 15 dinghy, it was sitting on the dolly in my back yard when a mini tornado came through (remember the El Ninio winter storms of 1998?) and flipped it, snapped the mast at the spreaders. A new mast cost $475! When I called the ins. co. they said "Sorry, you have a $500 deductible, but for only $20/yr. more you could have had $0 deductible." Now I always ask and I pay the little extra for $0 but I have never had a cliam since that one!

Come to think of it, maybe I should do it Jake's way and switch to Progressive.