View Full Version : Boat Insurance

04-21-2011, 05:31 PM
Just called my agent and he said to cover my 02 Xstar he could only give me $20,000 worth of coverage and it was gonna cost $575/year. Is this normal....I couldnt replace this boat for $20,000. Who do you all use? This quote was through Farm Bureau. What is your premium? This seemed high to me?

04-21-2011, 05:50 PM
Call Ski-Safe --- You set the residual.

04-21-2011, 06:07 PM
Heard good things about ski-safe. Check Western Marine, too. I bet they are way lower than 575. Ask for Dawna

04-21-2011, 06:12 PM
BoatUS. 42K coverage for $318 annually. 2005 Prostar 209.

04-21-2011, 06:35 PM
BoatUS. 42K coverage for $318 annually. 2005 Prostar 209.

What's your limits?

04-21-2011, 06:54 PM
Ski Safe ... I have full replacement insurance for $450

Double D
04-21-2011, 07:10 PM
Check out this thread. Been discussed already. Lots of info in here:


04-21-2011, 08:00 PM
I believe you can get an immediate online quote with Progressive. You set the values; aka "agreed value". Not saying they are the best, worst, or anything else but it would quickly give you something to compare against.

I ended up getting the best rate by combining my home, autos and boats through an insurance broker who ended up using progressive for the boat. It did take some shopping through various brokers before we got a decent rate through a quality company for the homes and autos. The boat insurance repeately came back as progressive.

04-21-2011, 08:19 PM
Voyager Marine, 100,000 in protection, 12,000 in agreed value no layup, trailer medical everything for less 200 bucks for my 89 TS190

04-22-2011, 12:02 AM
I have 45k on my 03 x30 can't remember the name, I think it might be Boaters Insurance inc.. they came strongly reccomended by my buddies who lost thier boats in some flash floods in texas. I have 300.00 for the year I set the replacement value.

I don't keep mine on the water so I am not to concerned with a total loss on the boat, if I move to the lake and keep it on the water I will raise my value to the price of the new boat I would buy and pay for that, espicially considering the flash flooding that happens where I live.