Boat Insurance who is best

lrgmouth · Post by **lrgmouth** » Thu May 14, 2009 3:33 pm

I'm looking for boat insurance for my boat. I'm buying boat this sunday can anybody recomend any good companies with good rates and good coverage. Boat is a Ranger Bass boat

Thanks in advance.

ajfishin · Post by **ajfishin** » Thu May 14, 2009 3:46 pm

State Farm

Gator · Post by **Gator** » Thu May 14, 2009 5:13 pm

Contact Gayla at Sawyer Cook Marine. Her ad is up top. My personal opinion is that they are the best but call her, get a quote, call others and make your decision.

rickd · Post by **rickd** » Thu May 14, 2009 5:21 pm

The truck, boat and renters insurance are all with Allstate. You get a deal when you get all your stuff with the same co.

TritonBrent · Post by **TritonBrent** » Thu May 14, 2009 5:55 pm

I had State Farm and thought I was paying a fair price UNTIL I got a quote from Allstate. I have allstate now with all the bells and whistles for about $200 a year less that state farm

frankc · Post by **frankc** » Thu May 14, 2009 6:45 pm

we got farmers and so doe's our friends and one time at don pedro a racoon got up on his boat and tore up a seat and scratched on the seats and farmers would not cover it,.....is there anouther insurance comp that covers animal mishaps ?

Scott Robertson · Post by **Scott Robertson** » Thu May 14, 2009 6:46 pm

I have a buddy at sawyer cook and i looked at their insurance, They are more than vanderburg, the difference is sawyer cook covers props and vanderburg doesnt. It was 5oo.oo difference in price. both great coverage just depending on what you want. Scott

texas john · Post by **texas john** » Thu May 14, 2009 7:19 pm

I too was looking for good insurance and had seen a post on here earlier. There seemed to be two big winners from most of those post. One was 1800bassboat and the other was fish on insurace. I called both and got comparables and 1800 wanted about $60 less per year but was only providing $2500 in replacement coverage for equipment. Fish on was 60 per year higher but offered $10,000 in equipment replacement. I figure it would be hard to replace all my rods reels electronics and tackle for $2500 just to save $60 bucks.

Just my .02

Team Davies · Post by **Team Davies** » Thu May 14, 2009 7:46 pm

1800bassboat you will not regret it ask for Ken or Stan

MIKE TREMONT · Post by **MIKE TREMONT** » Thu May 14, 2009 8:02 pm

Insurance companies are kind of fickle I think is a good word. I had farmers back through 2002. They actually stopped writing polices back then and tried passing me off to someone else. Didn't care for the policy or cost. At that time Allsnake or a few of these other companies didn't offer any coverage, especially if you fished tournaments. So if they stop writing bass boat policies, or you find the claims process a huge uphill battle, don't be surprised.

They all know what the other companies offer. Do your homework and get as much info as you can, so you can ask the right questions, kinda like you're asking here.

I did not know my insurance company would not cover my prop, that's gonna be a phone call, thanks John.

Rod Brown · Post by **Rod Brown** » Thu May 14, 2009 8:13 pm

I've had Fish-on insurance since 2001 and they did one claim on my lower unit damage very quickly. They specialize in fishing boats.
They are a proud sponsor of Westernbass.com on the forum page at the top right corner. Call Dawna and she can give you a quote. Here is their link: http://www.fishoninsurance.com/

Take care, Rod Brown[/url]

Daren Prociw · Post by **Daren Prociw** » Thu May 14, 2009 8:45 pm

texas john wrote:I too was looking for good insurance and had seen a post on here earlier. There seemed to be two big winners from most of those post. One was 1800bassboat and the other was fish on insurace. I called both and got comparables and 1800 wanted about $60 less per year but was only providing $2500 in replacement coverage for equipment. Fish on was 60 per year higher but offered $10,000 in equipment replacement. I figure it would be hard to replace all my rods reels electronics and tackle for $2500 just to save $60 bucks.

Just my .02

FYI-- It is cheaper to just leave it with $2500 and claim any loss on your homeowners insurance!!!! I had been doing some looking too and I have Sawyer Cook. The rate went up $60 in 2 years BUT its still worth the extra cost.

Hollywood · Post by **Hollywood** » Fri May 15, 2009 3:51 am

Fish on has treated me well. My claim with them was handled super fast for an insurance company! A+++++++++++++++++++
No other insurance comapany that I have used has ever taken care of me like them!

Mr Gambler · Post by **Mr Gambler** » Fri May 15, 2009 6:20 am

Most insurance companies are only as good as thier agents, we have one of the best agents around here in Fresno with State Farm. Another thing, who ever you get make sure it is a replacement policy not just a boat policy

I had a friend get burned on that one

G-Ko · Post by **G-Ko** » Fri May 15, 2009 6:26 am

I would call a local independent agent for your insurance. They have access to companies and premiums that an individual could not get. State Farm and Allstate can get you some deals on packaging all the policies together, but that is standard with every company. Those are direct writers that only have access to their individual companies.

Look online for someone close to you, or you can give me a call if you are interested.

Greg Kosich

DAKINE198 · Post by **DAKINE198** » Sun May 24, 2009 6:24 am

If you think you have all the bases covered with ALLstate, think again.... all my vehicles(6 TOTAL), my boat and renters insurance and life insurance are all with Allstate. Now it may not be Allstates fault and just my agent, but when I opened my policy on my boat I was under the impression I was insured at Agreed Cash Value so I put 36k on the hull 12k on the motor and 6k on the trailer 250k liabilty and 3k on tackle with my renter policy to cover the rest. Now I bent my prop shaft filed a claim I find out my deductable is 500, no problem but because my boat is now 5yrs old there is a 2% depreciation factor. what this means is if the repairs are 1500.00 I pay the 500 deductable, now of the remaing 1000, the insurance company deducts 10%(2%x5yr old boat) off of the remaing 1000.00 for depreciation. So my actual out of pocket for repairs is not 500 but 600. My boats have all been insured with Allstate since 1998 thought I had great coverage at a great price, never filed a claim until now. So if you think you have all the bells and whistles with Allstate...THINK AGAIN AND REVIEW YOUR POLICY. Joe Uribe Jr recommened fish on, after this repair I'm lookin to switch.

Ron C · Post by **Ron C** » Sun May 24, 2009 8:05 am

Team Davies wrote:1800bassboat you will not regret it ask for Ken or Stan

+1

Stan and Ken Vanderburg are bass fishermen who insure bass fishermen. 1-800-BassBoat

Noluk · Post by **Noluk** » Mon May 25, 2009 9:43 am

I went with a company that I found on another fishing board.

http://www.worldwidemarineins.com/ Try giving Bob a call. If nothing else he will give you lots of info about insurance and what all teh terms mean.