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View Full Version : Insurance for boat,car,home?


jmyers
01-05-2006, 05:54 PM
Ok I'm finally pissed enough to change insurance's!! :mad: I have had my insurance through Farmer's for everything for 15 years and my agent is now too busy to call me back and she is completely clueless on my account, and I keep getting bills that are double what she say's!! I need some input on companies to try! Thanks for any input on this! :confused:

milkmania
01-05-2006, 05:57 PM
Ok I'm finally pissed enough to change insurance's!! :mad: I have had my insurance through Farmer's for everything for 15 years and my agent is now too busy to call me back and she is completely clueless on my account, and I keep getting bills that are double what she say's!! I need some input on companies to try! Thanks for any input on this! :confused:

I was with Farmer's for 13 years before I dropped them for the same tyre of stuff

then I switched to Oklahoma Farm Bureau about 2 years ago, so far so good....
but there's surely better out there

AirJunky
01-05-2006, 06:02 PM
Safeco here. But I think it's more important to find a broker who will give you the time of day. Probably someone in your hometown. So I'd ask your local friends & neighbors where they go.

Good luck.

Edit: one more comment. Any of you who ride foils, be sure to tell your insurance company about it. Many of these companies, Farmers & Progressive included, specifically exclude any hydrofoils from their policies. And if you have an accident & they find out about it, they have a history of not paying the claim & dropping the insured like a hot rock.

Mag_Red
01-05-2006, 06:07 PM
:rant: Even when you have a good broker you still need to stay on their butts to make sure you get the best rate. Between two boats, a house, vacant building lot, three vehicles, business insurance, and liability it's ridiculous how much I pay a year. :mad:

Sodar
01-05-2006, 06:08 PM
Safeco has always been good to me too!

shepherd
01-05-2006, 06:08 PM
Progressive for boat and motorcycle was far cheaper than anybody else I was able to find. As for service, 24 hour 800 number telephone service has generally friendly and seemingly knowledgeable people. Now, I've never had to file a claim with them...

I'd switch my cars to them, but they say they can't beat my GEICO rates.

MYMC
01-05-2006, 06:12 PM
State Farm (since I was 16). They have everything car, home, etc...no matter where I have lived the service has been good.

BTW, as a boat owner look into a "personal umbrella" policy. This is the cheapest insurance out there to cover you and your family...everywhere doing almost anything. A million will run you about $100 per year...pretty cheap for the protection IMHO.

rodltg2
01-05-2006, 06:12 PM
i have progressive too for one car, houseboat and malibu. they were the only ones to insure my houseboat without having to pull it out of the water and survey it. i havent had to make a claim yet on anything thank goodness , so in that sense i dont know how they are , buy otherwise thay are great.

east tx skier
01-05-2006, 06:21 PM
Allstate for the House and Cars. Previous owner of our home got screwed over pretty good by one of the local State Farm reps, so I dropped them from consideration. My rep is very accessible and fortunately, I haven't had to make a claim yet (so my opinion could be different were that the case).

Voyager Marine Ins. Co. out of Dallas for the boat.

milkmania
01-05-2006, 06:27 PM
BTW, as a boat owner look into a "personal umbrella" policy. This is the cheapest insurance out there to cover you and your family...everywhere doing almost anything. A million will run you about $100 per year...pretty cheap for the protection IMHO.

sounds interesting, can you elaborate?

I've never heard of an "personal umbrella policy":confused:

in the meantime, google is my friend;)

Datdude
01-05-2006, 06:31 PM
I have Allied Insurance for everything-house, vehicles, wife's jewelry, snowmobile, boat and 4 wheeler and they have been very easy to deal with and their prices are very good. I am also good friends with my agent which helps as far as customer service goes. When I hit and killed a deer on my snowmobile last Winter Allied questioned it, but my agent was riding with me and they paid up after he told them what happened :D

ttu
01-05-2006, 06:34 PM
A personal umbrella is a liability policy that covers should you have a loss and the coverage limit is exhausted and will pay up to what ever specified amount of coverage you have. ie, you carry 50/100/50 liability on your vehicle and you have a very bad at fault accident which results in the other party suffers a loss. they determine that the award is 500,000. your auto policy will pay the 50K for the injury and your umbrella would pay 450K. Hope that makes sense.

Most insurance companies require that you have ALL your personal line insurance with the same company before they will issue you a umbrella.

I have been a Insurance Agent for over 10 years and try to take care of ALL my clients. However there are times with the clients expectation is more than what we can do.

baedriver
01-05-2006, 06:38 PM
I have my home and cars through state farm they have been great. I have the boat through geico which i think is called ski safe out of upstate new york. State farm was not even close on the cost for boat insurance. It is under 300 a year for an 06 197 and state farm was almost double.

jmyers
01-05-2006, 06:54 PM
I have my home and cars through state farm they have been great. I have the boat through geico which i think is called ski safe out of upstate new york. State farm was not even close on the cost for boat insurance. It is under 300 a year for an 06 197 and state farm was almost double.
I am paying $49.72 a month for my boat insurance now it is Farmers through a company called FOREMOST for my "05" MC X-9 now! :eek:

erkoehler
01-05-2006, 07:01 PM
I am paying $49.72 a month for my boat insurance now it is Farmers through a company called FOREMOST for my "05" MC X-9 now! :eek:


HOLY CRAP! Dude, I am 21, not married, and have a boat and don't even pay close to that.


I have Met Life for my Truck and Snowmobile. Ski Safe for the boat.

Footin
01-05-2006, 07:01 PM
I have had everything,boat,car,house,motorcycle, through Nationwide for 15 years and I could not be happier.

Had a house claim a few years ago and I had the check in 2 days from some storm damage.

ttu
01-05-2006, 07:40 PM
A lot of the major insurance companies ie. St Farm, Farmers, Allstate, Shelter Insurance have high rates for comp boats due to the horsepower. There rating systems are figuring only horsepower and not what type of boat it is. Most companies rating systems are thinking it's a Baja, Fountain or some sort of high performance speed boat and not a high horsepower ski/wakeboard boat with max speeds of 45 mph or so.

The company I represent wants 650.00 a year for a 350 hp wakeboard boat and ski safe can do it for 420.00. Needless to say I don't have my boat with the company I work for.

AirJunky
01-05-2006, 08:03 PM
I am paying $49.72 a month for my boat insurance now it is Farmers through a company called FOREMOST for my "05" MC X-9 now! :eek:
Damn, that would be the definition of "gettin screwed"! :eek:

rodltg2
01-05-2006, 08:12 PM
it seems decent to me

Cloaked
01-05-2006, 08:13 PM
Safeco has always been good to me too!Word up. Been with them for 12 years now and a great agent / broker in Chattanooga, TN (85 miles away). They always take care of me by telephone.

rodltg2
01-05-2006, 08:28 PM
rates are higher for me though, not so clean record.

M-Funf
01-05-2006, 08:38 PM
State Farm (since I was 16). They have everything car, home, etc...no matter where I have lived the service has been good.

BTW, as a boat owner look into a "personal umbrella" policy. This is the cheapest insurance out there to cover you and your family...everywhere doing almost anything. A million will run you about $100 per year...pretty cheap for the protection IMHO.

Same here. Before we were married, my wife was with State Farm as well, but had a better agent than I did. Once married, we combined all our policies (two homes, three vehicles, two boats) with State Farm.

I'll second the umbrella policy. We reduced coverage on our individual auto policies and got a $1MM umbrella that will kick in once you exceed the individual policies. Before the umbrella, the indivudual policies only went to $250K, and once exceeded, you're screwed. Our TOTAL insurance premium is less than it would be without one...

:toast:

Leroy
01-06-2006, 09:38 AM
I have state farm and have since 16 and parents did before. Rates seem very competitive when we have talked about this before on here. There are a LOT of variables on boat insurance.

School Skier
01-06-2006, 10:18 AM
American Family Insurance for me. Ski boat insurance is high but all of the properties and vehicles were competetive.

MYMC
01-06-2006, 10:43 AM
Seems like the umbrella has been explained well enough...I strongly reccomend everyone look into it. A lot can happen owning/operating a boat or jet ski. Also the exposure of living on a lake or owning a pool...just food for thought.

My first job out of college was as an "accident research specialist" for a large California insurace company. I saw a lot of people learn about this stuff the hard way.

jraben8
01-06-2006, 10:58 AM
The boat is insured through Voyager which has been mentioned. For home and autos I have Nationwide and have been with them for about 10 years. They have been fantastic and very quick with claim service even on a major problems (leaking water line inside a refridgerator on a wood floor).

T Scott
01-06-2006, 10:59 AM
Damn, that would be the definition of "gettin screwed"! :eek:

Keep in mind, part of what determines rates is the value of the insured property. Jmyers has a newer boat that would obviously cost more to replace in the event of a theft, fire, etc. Therefore his rates SHOULD be higher than those of us with older boats. $600 a year dosen't seem far out of line to me to insure such a nice boat.

Mag_Red
01-06-2006, 12:13 PM
Keep in mind, part of what determines rates is the value of the insured property. Jmyers has a newer boat that would obviously cost more to replace in the event of a theft, fire, etc. Therefore his rates SHOULD be higher than those of us with older boats. $600 a year dosen't seem far out of line to me to insure such a nice boat.
Not exactly..........I have my 2004 Prostar insured through Ski Safe and it's a little over $300 per year with a 6 month lay up

BriEOD
01-06-2006, 12:22 PM
USAA for everything except the boat (Ski Safe).

I'm really watching homeowner's now. We are relocating to Tampa this month and getting a policy in Florida right now is very challenging. I have heard lots of stories of big companies State Farm, Allstate, etc who will not even write new policies. If you make a claim they drop you. Basically, if you're going to make a claim it better be big. My inlaws lost the roof on their home in West Palm Bch last hurricane season and got dropped by State Farm after they filed a claim. What a croc. So you have to go with no names who are underwritten. My real estate agent said I could expect to pay about $2k/yr--welcome to Florida. :eek:

east tx skier
01-06-2006, 12:55 PM
Wow! We went through the same thing with State Farm in Texas when mold became the hot topic. State Farm basically stopped writing policies. Now everyone excludes or caps mold damage.

That stuff can be pretty nasty. But unless we were exhibiting some pretty bad symptoms, it's looking like the best thing to do is not find out you have it.

ntidsl
01-06-2006, 12:56 PM
I would never shop insurance by price unless you know insurance. Someone just mentioned getting an umbrella for 1 million bucks which is a great idea. But make sure you realize what is covered with each companies' insurance. I mean simple things...ie...most insurance policies dont cover if your toilet would overflow ruin all your carpet and drywall. You'd think that insurance would cover this...no way, its an add on....look for the best insurance at the most reasonable price. and ask a crap load of questions. I ask the craziest questions to my insrance girl now like..."okay so I'm driving down the road and my trailer comes lose and flips and lands on a car, who pays for that, my boat insurance, my car insurance and if someone would die what would happen?" she thinks I'm nuts but I want to make sure that my *** if covered

I was rearended by some dude who had cheap insurance and now his head in on the chopping block. He had money and shoul dhave had better insurance but he bought his insurance by price alone. Now he and his insurance company are screwed. It happens alot, the damages were higher than his allowance. You don want to go through this for $200/year.

Workin' 4 Toys
01-09-2006, 12:07 AM
I keep getting bills that are double what she say's!! :confused:
And I thought my family was the only one with this EXACT same issue a few years ago. They kept doubling the statements. Took us about 3 years to get it fixed.
Allstate's rates went through the roof. After we complined several times, we were told it is what it is. AFTER we cancelled, they informed us they were able to cut some numbers!!!! I laughed and asked, do you think I am an idiot, or do you think I look like one....those are you two optional answers...

We now have American Family.

Leroy
01-09-2006, 12:27 AM
Best advice I've seen on here! Car insurance has few tricks, homeowners many tricks, and boat insurance is full of loopholes. I asked questions covering the three basic places for my boat, storage during winter, on the water, and being pulled on the road. All very different insurance risks and coverage.

look for the best insurance at the most reasonable price. and ask a crap load of questions. I ask the craziest questions to my insrance girl now like..."okay so I'm driving down the road and my trailer comes lose and flips and lands on a car, who pays for that, my boat insurance, my car insurance and if someone would die what would happen?" she thinks I'm nuts but I want to make sure that my *** if covered

Workin' 4 Toys
01-09-2006, 12:29 AM
Then why not have them all insured with the same co.? Wouldn't that eliminate these questions?

6ballsisall
01-09-2006, 12:33 AM
BTW, as a boat owner look into a "personal umbrella" policy. This is the cheapest insurance out there to cover you and your family...everywhere doing almost anything. A million will run you about $100 per year...pretty cheap for the protection IMHO.


Mike are you recommending that works in lieu of the traditional boat insurance policies?

Workin' 4 Toys
01-09-2006, 12:36 AM
Mike are you recommending that works in lieu of the traditional boat insurance policies?
I am certain "in addition to"....

6ballsisall
01-09-2006, 12:52 AM
I have had State Farm since I turned 16 (only 2 different agents in that time) and have been very happy. I might be able to save a dollar by shopping here and there but I trust my agent has our best interest in mind. We have our home, cars, boat, life insurance thru our agent.

pilot02
01-09-2006, 12:01 PM
Allstate for the House and Cars. Previous owner of our home got screwed over pretty good by one of the local State Farm reps, so I dropped them from consideration. My rep is very accessible and fortunately, I haven't had to make a claim yet (so my opinion could be different were that the case).

Voyager Marine Ins. Co. out of Dallas for the boat.

My parent's had Allstate for Years and until Katrina they'd been good. Not wanting to pay now though.

I've got USAA. One claim, no problems.

jmyers
01-09-2006, 01:29 PM
I really do think insurance companies are on drugs! After going round and round with my agent she assured me the monthly bill is $37 and when I got home my wife showed the bill we have been paying $49 Tell me who is confused! :confused: I am going to call again today, like I don't have anything better to do! :mad:

stevo137
01-09-2006, 01:46 PM
We have been with Allstate for many years and our agent has treated us well. We have recently compared rates with a company called State Auto and the rates are very good with more coverage.
I am concerned that Allstate will increase rates due to the fact that they had many insured that were effected by the hurricanes.

JohnnyB
01-09-2006, 02:03 PM
Anybody had a claim with Ski Safe? How did you fare?

I ran the numbers, and Ski Safe could save me $200/year over what I pay.

Ryan
01-09-2006, 02:45 PM
I have AAA for everything. Good pricing for great coverage. But, I won't really know how good they are until I file a claim.

I can vouch that Farmers sucks. I had to fight tooth and nail to get them to cover a car accident. Long story short, next time you have a head-on with a Warner Bros. film truck you'd be have an insurance co that will pay and fast.

To top it off, the shop that fixed my car used my car for personal comuting and received a parking ticket. I received a penalty fee for the ticket and delay of payment because the yahoo tossed the ticket on the ground.

erkoehler
01-09-2006, 02:46 PM
Anybody had a claim with Ski Safe? How did you fare?

I ran the numbers, and Ski Safe could save me $200/year over what I pay.


No claims yet on my policy.

However, when I brother fractured his leg waterski jumping with the Min-Aqua Bats Waterski Show team over this past summer everything seemingly has gone smoothly. It has taken some time to get them to kick in as the secondary insurance for the medical bills, but it seems that they will be covering them....