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prostar205
01-04-2005, 05:58 PM
With the purchase of my new (used to us) boat, I need to get it insured. Our last boat ('95 PS 205) was insured by State Farm. Does anyone have a suggestion of a good insurance company to get some comparison rate quotes. Also, what limits is everyone carrying on their insurance?

Thanks,

Mag_Red
01-04-2005, 06:07 PM
I went with Inamar Recreational Marine Insurance offered through Ski-Safe. $294/ year with a lay-up period of Nov 01 thru April 01.
Boat $38,000
Personal effects $500
Waterski Equipment $1,000
Trailer $3,000
Deductible $1,000
Liability $25,000
Medical $1,000

prostar205
01-04-2005, 06:10 PM
You would not happen to have a phone number or web site refer?

Thanks for the info.

Mag_Red
01-04-2005, 06:14 PM
Let me check. All I know was this was the first boat I've owned where they would put a rider on my home owner insurance. My agent was giving me quotes of around $700/year till I found these guys. :steering:

Edit: 1-800-225-6560 I think I found then through the American Water Ski Association

MYMC
01-04-2005, 06:15 PM
Depending on your personal insurance & financial portfolio I would recommend at least $1 million in liability...think about the possible exposures. If the cost of the liability insurance seems high consider a personal liability umbrella policy for the additional coverage they are extremely inexpensive (like $100 per year through State Farm for a million in coverage).

We use Ski Safe all the time here at the dealership for customers looking for coverage, and have never had a single complaint.

MYMC
01-04-2005, 06:17 PM
800-225-6560
http://www.skisafe.com/

G-man
01-04-2005, 06:21 PM
I recently priced insurance with Boaters Insurance, Ski-Safe, and Voyager. Voyager was over $100.00 less than the other two for the same coverage.
voyagermarine.com

It is also a local company for me. USA Waterski was not with Inamar at the time so I haven't priced them.
gm

Ric
01-04-2005, 06:58 PM
Ski safe matched the price of that new outfit advertising on back of Waterskier.
I've used ski safe for many years and have nothing but good to say of them

AirJunky
01-04-2005, 07:38 PM
Thankfully Ski Safe has finally removed their exemption for Air Chair & Sky Ski. Guess they saw the light finally. Those of you with old policies might want to read the fine print if you ever have a foil in your boat.

jimmer2880
01-05-2005, 07:38 AM
Just switched to Ski Safe over the summer.

Andyg
01-06-2005, 06:22 PM
I also have Ski Safe thru AWSA.

Boat Description: 2003 Mastercraft Pro Star 19'
> Boat: $35,000.00
> Trailer: $2,000.00
> Deductible: $1,000.00
> Liability: $100,000.00
> Uninsured Boater: $10,000.00
> Medical Payments: $1,000.00
> Personal Property: $500.00
> Towing: $300.00
> Wreck Removal: $0
> Waterskiing Equip: $1,000.00
> Unscheduled Equip: $0
>
> Annual Premium: $320.00

I also agree with having the umbrella policy.

Andyg
01-06-2005, 06:29 PM
I also forgot to mention if you are not already and AWSA member you have to join to get the preffered rate. Also the lay up for my boat is 4 months. It should be more like 6 months since I live in Wisconsin.

k2mc
03-23-2005, 04:05 PM
I just started with SKi Safe on Monday. Their price was waay better than foremost or progressive. Couldn't get a quote out of voyager. Just saw the AWSA rate difference. I'm not a AWSA member - any thoughts on how much its saving you guys?

aprgriggs
03-23-2005, 04:12 PM
With the purchase of my new (used to us) boat, I need to get it insured. Our last boat ('95 PS 205) was insured by State Farm. Does anyone have a suggestion of a good insurance company to get some comparison rate quotes. Also, what limits is everyone carrying on their insurance?

Thanks,

We use boater's Insurance Agency....they are having a special right now (not sure of all the rules).....1/2 off a year premium. That made our 05 X9 $308 for a year.

Call 1-800-344-7488

jsonova99
03-23-2005, 04:13 PM
that's pretty good, I'm paying $430 with Progressive. Don't even get me started on what State Farm wanted :rant:

How about Boat US, has anybody gotten quotes from them? My Dad was going to switch his Bayliner over to them.

sfitzgerald351
03-23-2005, 04:25 PM
It's going to be time to shop my policy again, but what are folks with older boats using?

I'm currently with SKi Safe, but my boat is so old they put it on an ancient mariner policy which isn't agreed value (so if it sinks I'll have to fight for the value), doesn't cover the watersports equipment unless you pay an additional fee, etc.... It was better than what I had prior, but I still wasn't that thrilled with the coverage. You actually get a much better deal with a newer boat it seems.

k2mc
03-23-2005, 04:26 PM
should have mentioned my rate for '04 x-10 was $350/year for similar coverage that Andyg listed above - I've got 300k liability and 3k personal property.

OhioProstar
03-23-2005, 04:40 PM
1995 PS190.....$240 a year...same lay up period as Mag's Nov-April1. I think that includes the one year membership to AWSA.

jsonova99
03-23-2005, 04:42 PM
I figure mine might be a little higher down here because we can go year-round.

Cloaked
03-23-2005, 06:00 PM
I use Ski Safe with a 4 month lay up. They have always served me well, although I have never filed a claim.

6ballsisall
03-23-2005, 06:17 PM
I have State Farm. Do everything thru them, life, house, cars, boat.

$54 a year for liability only. 300k coverage.

rodltg2
03-23-2005, 06:58 PM
what are people paying for 2004 197.

Thrall
03-23-2005, 07:57 PM
I have Progressive for my boat, and truck too. Shopped around quite a bit and they were most competitive. About $250/yr, w/ no layup period, 12 months available use.

Ric
03-23-2005, 08:21 PM
what are people paying for 2004 197.
ski safe 2005 ps 197 425/yr

costal190
03-23-2005, 08:42 PM
I have been with Ski-Safe for about 10 yrs., which USA Water Ski was affiliated with, now they are affiliated with INDMAR Rec. Marine/ Global Marine which has been around for a long time.My coverage went down about $100.00 and got better policy. $322. for 12 mos. I switched for a better policy,cheaper price and I like the USA Water Ski Program. It is only like $25. to be a supporting member and they send out a cool magazine.

AirJunky
03-23-2005, 08:46 PM
Was with Ski Safe till I found out they weren't covering any hydrofoils at all. So we changed over to Safeco ($435/yr) & lobbyed Ski Safe to start covering Hydrofoil. Now they do it under Global Marine's policy. I went thru their website a few weeks ago to get a price quote but they never responded.

costal190
03-23-2005, 08:46 PM
ACE/Indmar Rec. Marine (USA-WS) Global Marine Insurance
1-800-748-0224

www.USAWATERSKI.org

sfitzgerald351
03-23-2005, 09:03 PM
Bummer.... Yet another company that won't quote insurance for an older boat. You'd think they thought these older boats were firetraps or something.

Just looked at my "Sea-Safe" policy (Ski-safe turns into Sea-Safe after a certain age)

For my 1984 valued at $6,000 with $1,000 for the trailer and NO scheduled equipment and no personal equipment covered

$300,000 liability
$10,000 medical payments
$50,000 uninsured boater
$500 deductible
Layup from December 01 to April 01

$240 per year.

I'm not complaining about the price, but I would like to get agreed value coverage on the boat and can't find anyone that will offer it on a boat this old. I'm worried that if I do need to file a claim they will simply pull out the guide, take the wholesale, crappy condition price and write me a check for that less the deductible. Just for fun though I got the current NADA price and it ranges from $5700 to $9075 depending on what kind of horsepower you believe the 454 puts out.... I'm pretty sure I could get $10,000 for the boat and trailer given the condition it's in and how it runs, but try telling that to an insurance company!

Leroy
03-23-2005, 09:09 PM
Mine is around $340 per year for full coverage with replacement cost of $37k for 2001 Maristar 230VRS with State Farm. I have everything with them.

milkmania
03-23-2005, 09:09 PM
I have Progressive for my boat, and truck too. Shopped around quite a bit and they were most competitive. About $250/yr, w/ no layup period, 12 months available use.

I was quoted $301.00 a year for my 91 prostar through them.....

(don't have the coverages readily available at the moment)

WakePowell
03-23-2005, 10:19 PM
The best coverage I found was with Chubb Insurance. My premium is $352/yr for a new X-45 with the L-18. The policy covers replacement value for a total loss, free towing up to $1,000 on water or trailer, and their liability and damage coverages were better than State Farm. The agent that I found them through is Boaterís Insurance Agency. I have more information on the coverages but they are not handy right now.

jsonova99
03-24-2005, 07:31 AM
I have State Farm. Do everything thru them, life, house, cars, boat.

$54 a year for liability only. 300k coverage.


I have everything but the boat through state farm. State Farm wanted $1700 a year for the boat initially :eek: 1991 Prostar 190, sounded a little high. The reasoning was that they had to insure the boat for the price of a new one since they couldn't replace it (still high based on what I'm hearing). My response was explain to me why I shouldn't go right to the lake, after I stop by the office and sign the papers of course, and sink the boat. They finally agreed that they would insure it for the $10K I paid for it but still wanted almost $800 a year. I loved State Farm when I lived up in PA, but my agent down here is a bloodsucking crook. :rant:

kjohnson
03-24-2005, 09:35 AM
Ask your homeowners agent to get you a quote through Progressive. Mine is $150/yr. for a 1991 190 Prostar. No lay up period either.

jsonova99
03-24-2005, 09:42 AM
Ask your homeowners agent to get you a quote through Progressive. Mine is $150/yr. for a 1991 190 Prostar. No lay up period either.



I have progressive for the boat, but I'm paying like $430

phecksel
03-29-2005, 01:35 PM
ski-safe . . . BAD THING!!!!

My pristine tri-star was insured with them and I lost
Radio - aftermarket
slalom ski
fiberglass damage
inst panel damage

The adjuster came out and he was great. We came up with an extremely reasonable plan. Ski-safe refused to pay any part of the claim.

Here's what I was told
Radio was older then two years old... had no value
Slalom ski was NOT stored in a locked compartment
Fiberglass damage was present before the radio was broken out
Replacement IP was not available from the factory, so I had to live with the damage.

Was it worth doing battle with them over, especially since I was in the process of selling the boat, no. But, I will tell anybody that asks and several that haven't asked, what I think of their fraudulant behavior.

CAREFULLY READ what your policy says.

I ended up with my homeowners/auto insurance agency, and at a slight reduction in premium.

east tx skier
03-29-2005, 01:45 PM
Like George, I went with Voyager who got me with Inamar. $302 with no lay-up (agreed value).

Adkin20
03-29-2005, 02:40 PM
Chubb Insurance Group will offer you the best coverage in the industry. They will insure the boat at agreed amount( it's resent used value) and the host of others add ons. They also cover the engine which alot of the boat policies do not. and fail to mention they don't. I pay about $500 a year for my Prostar 205V.

Adkin20

Adkin20
03-29-2005, 02:46 PM
PS: you get what yo pay for! You just acquired probably the finest machine/boat on the market........insure it with the best,too!

east tx skier
03-29-2005, 04:10 PM
That's interesting. I've never seen a policy that excludes the motor. Always a good idea to read the policy carefully. What year is your 205V?

/just reread his policy; engine and "equipment required for normal operation" is covered.

bcampbe7
03-29-2005, 04:17 PM
I have everything through Farm Bureau.
Boat is $311/year for 300K liability, 5K medical, 17K boat, motor, and trailer, 1500 for personal items and a $500 deductible. This is on a 1996 ProStar 190.
After seeing some of the above quotes, I may not have enough coverage...

Leroy
03-29-2005, 04:26 PM
Boat policies are notorious for what they include and exclude. Some only cover when they are on the water not when they are being towed. Some don't cover storage. Natural diasters, which can happen to boats are a special category. Been couple of years since I got steamed up on this, so I don't remember everything.

east tx skier
03-29-2005, 04:33 PM
I also noticed that I'm covered to a certain extent driving other boats I don't own. Good to know. Hope I never need to use it.

jsonova99
03-29-2005, 04:35 PM
Boat policies are notorious for what they include and exclude. Some only cover when they are on the water not when they are being towed. Some don't cover storage. Natural diasters, which can happen to boats are a special category. Been couple of years since I got steamed up on this, so I don't remember everything.

Don't most auto insurance policies cover anything in tow? I could be wrong, I'll have to check on this

Leroy
03-29-2005, 04:39 PM
Mine does, but if you have with different agencies that is one to check on!

Or if you only have liability what is covered on your boat? Only the damage it does? :confused:

east tx skier
03-29-2005, 04:40 PM
Don't know about my auto policy, but mine is covered 250 miles in transport (as in if I were having it shipped). There's no limit if I'm towing it on its trailer.

One thing they mentioned that is sort of a shortcoming on equipment, i.e., water skis, coverage is that you're not covered unless the stuff is taken/lost while you're on the boat. In other words, we're talking being boarded by pirates here. :D

jsonova99
03-29-2005, 04:46 PM
I didn't even bother with that coverage since I keep the boat in my garage when it's not in the water.

k2mc
03-29-2005, 06:24 PM
so I changed from foremost to ski safe after only 6 weeks of coverage. now foremost is attempting to keep $206 of my $689 premium. I sense an ugly fight on my hands.

east tx skier
03-29-2005, 06:31 PM
I didn't even bother with that coverage since I keep the boat in my garage when it's not in the water.

The $2,500 "yaaargh matie" coverage is not expressly included in my premium.

Leroy
03-29-2005, 06:36 PM
I had this also when I put my boat in company storage and cancelled my insurance. Their argument is the coverage is only for summer months, not for storage (or something like that) and so when I cancelled at the end of summer I got very little refund. Good luck!



so I changed from foremost to ski safe after only 6 weeks of coverage. now foremost is attempting to keep $206 of my $689 premium. I sense an ugly fight on my hands.

Prostar19
03-30-2005, 03:06 PM
I think Ski Safe is by far the best. I had a friend who insured his boat with a car company. He had to file a claim and is still fighting it in court.

jsonova99
03-30-2005, 03:44 PM
Does anybody have BoatUS? I keep hearing that they are really good, I need to call up and get a quote.

east tx skier
03-30-2005, 03:46 PM
I want to say I got a quote from either them or ski safe last month (I can't for the life of me remember which one). Voyager Marine beat whichever one it was by a lot in my case.

Andyg
03-30-2005, 04:34 PM
I used to have Boat US on my 97 PS190. You had to belong to Boat US to get insurance through them. I think the annual membership was $15. My premium for my 97 was only about $205 a year though. I don't remember the details of the policy.

Memo
03-30-2005, 05:13 PM
I currently have Boat US for both of my boats. I shopped around for my 34 and Boat US was reasonable so I have the 96 MC with them also. I donít have the exact numbers in front of me but I will let you know by tomorrow. I do know you have to be a member and it is $15. Keep in mind we live in Michigan and our season is limited. Other thing I really liked with Boat US is that they will allow you to purchase engine freeze coverage for few $$. So I do something stupid during winterization I have something to fall on especially on the 34 double your pleasure double your fun. :eek:
Boat US has a very good web site that will give you price and detail on their policy types. I hope this helps. I will post the specific prices tonight.
Site : http://www.boatus.com/

Memo

Memo
03-30-2005, 07:00 PM
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