View Full Version : Insurance Co recommendations

michael freeman
03-22-2006, 10:01 AM
Looking for some recommendations for insurance companies.

Texas Mastercraft suggested Voyager Ins. Just wanted to see if there are any other suggestions.

I have already received a quote from State Farm, and it is twice as much as the 'dealer' thought Voyager would charge. Plus I've been told that Voyager is an "agreed upon price of boat" type insurance w/o depreciation.

Any thoughts?

03-22-2006, 10:08 AM
Progressive gave me the best deal. I bought it through my agent who works for Horace Mann. The agent could get it a lot cheaper than I could buy it from Progressive directly.

03-22-2006, 10:13 AM
Ski Safe and ask them if they will match your lowest quote, the may ask for proof, worth the try!

Workin' 4 Toys
03-22-2006, 10:20 AM
American Family Insurance.

03-22-2006, 10:25 AM
voyagermarine.com has worked for me. They have been very responsive to request.

03-22-2006, 10:36 AM
I use SkiSafe. It seems fine to me

03-22-2006, 10:36 AM
I've been using National Marine Underwriters (http://www.nmu.com/). Good rates, and no problems so far. Even had a claim once!

03-22-2006, 10:37 AM
The best price I could find was through Boat US

03-22-2006, 01:25 PM
I currently have State Farm. But, if I break down on the water, they won't provide a pull back to the dock. If the trailer has a problem on the road, they'll come out and fix it, but probably won't tow it. AND, if I have a problem with the tow vehicle, they'll tow that, but not the trailer (left behind :( ).

That's O.K. for me because I don't tow very far, and I don't usually go to remote lakes where I can't find some kind soul to tow me back to a dock...

03-22-2006, 01:30 PM
I just got a policy with ski safe. $260 for the year. progressive was around 560 last year...... All the limits are the same.

03-22-2006, 01:46 PM
i have ski safe which was much cheaper than state farm even with the house and cars with them.

03-22-2006, 03:32 PM
I am currently considering a quote from www.boatus.com (http://www.boatus.com)

my local Farm Bureau agent confided that their offer beat his, and was a good offer.

east tx skier
03-22-2006, 03:37 PM
voyagermarine.com has worked for me. They have been very responsive to request.

Began using them as of last year based on George's recommendation. Saved me $100 off of Boater's Ins. Co. for the same coverage.

Never made a claim, so can't speak for that end of things.

Kevin 89MC
03-22-2006, 03:58 PM
I shopped around a few years ago, Ski Safe was the best in terms of price and coverage. Haven't had a claim (with them) yet, but others in our ski club have, no problems so far.

03-22-2006, 04:56 PM
Last week I received a quote for $280 through USA Water Ski. www.usawaterski.org

They beat my Voyager renewal by $120 for more coverage. I just haven't had any experience with them and I haven't heard anything good or bad about their claims service so I haven't jumped yet but it's tempting.

03-22-2006, 04:57 PM
I believe that Global marine is their carrier.

michael freeman
03-22-2006, 10:50 PM
Voyager came back with a quote for $668 on a fairly loaded new X-30. Statefarm was around $1100 or $1200, afte I heard the $1000 mark I kind of zoned out as he explained how the trailer cost X amount more, plus bla bla bla.

I put in another quote request for Boat US but the myskiboat place didn't seem to be up. :confused:

03-23-2006, 10:18 AM
$530 a year with Westmar on fully loaded 2004 X-10. Full coverage w/low deductibles. 5% discount if you have passed a boating course, about $50 off.

03-23-2006, 10:37 AM
I know it's not boat related, but I just found what I feel is a good deal for "sports insurance" @ www.fdean.com (http://www.fdean.com)

looks like it could even insure a ski event or boating event:confused:

Francis L. Dean & Associates can tailor make accident and/or liability policies for a variety of "special risks".

Day Care Facilities
Boy or Girl Scouts
Gray Ladies
Soap Box Derbies
4-H Clubs
Beauty Contests
Zoo Outings
Ski Resorts
Fishing Derbies
Educational Exhibitions
Flower Shows
Trade Shows
Garden Shows
Fashion Shows
Consumer Shows
Antique Shows
Classical Music Concerts
Traveling Business Groups
Volunteer Fire Companies
Field Trips
Church Youth Groups
Cave Exploration
Tractor Pulls

we have a small baseball league with 8 teams from T-Ball to Preps (3 year olds to 14 year olds) 107 players total

for players, coaches & managers:
$10,000 accidental death & dismemberment
$100,000 maximum medical expense
ZERO deductable

the whole league for 5 months...... $393.60

03-25-2006, 10:59 PM
I use Country Insurance who bought out MSI (Mutual Service Insurance) which has been my long-time insurer. Rates through Country Insurance are great and service is very good, too. I insure everything through them (2 trucks, 2 snowmobiles, trailer, boat, house, term life, umbrella) and get a good multi-vehicle discount.

Got my boat renewal for my 92 PS 190......$145/year :headbang:

03-25-2006, 11:35 PM
I am current with Ski Safe however they will not cover my boat lift. I got a quote from Boater's Insurance Agency, Inc. for just slightly more than Ski Safe and they coat the boat lift 100%.

03-26-2006, 09:05 AM
Global marine through USAwaterski. INAMAR is the insurance co.

2003 230VRS.......$332 /year

Hull coverage $38,000
Trailer $4,000
Equipment $2,500
Towing $500
P&I liability $500,000

I have Allstate for my other vehicles, but they were about $150 higher for the boat.

03-27-2006, 01:40 PM
Few years ago I had a claim filed against Ski-Safe. They covered absolutely nothing. None of the damage, None of the theft. Took almost three weeks to get the claim adjuster out to the house. Almost lost a boat sale, had to renegotiate the sale price to account for the radio loss, and some other damage. I wouldn't use them if they were the last company available, because it would be less expensive to not use them. My experience led to a investigation of what kind of coverage the club has. With my boat, they claused their way out of every claim. So, I got copies of the alleged policies the club has, and started reading all the details. I'm not an attorney, but it was apparent the club's coverage was non existent too. Carefully read your policy, and challenge each section. Ended up with my homeowners, and it was less expensive with them, and they had been good to me previously.