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existentialsailor
Master Marine Consultant

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USA
1180 Posts
Initially Posted - 09/27/2006 :  08:54:59  Show Profile
I have my boat with Boat US, my automobiles with someone else. I'm buying a trailer. I call auto insurer to find out about insurance, they tell me it goes with the boat, call boat insurer. I call Boat US, they tell me they will insure trailer for physical damage, but the liability is supposed to be with the automobile insurance, the BoatUS liability only applies when the boat is on the water...

Is this other people's experience or am I experiencing the he said she said syndrome? Do I need to have 2 seperate policies on my boat in effect to trailer it?
Rick
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delliottg
Former Mainsheet C250 Tech Editor

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USA
4479 Posts
Response Posted - 09/27/2006 :  10:56:34  Show Profile  Visit delliottg's Homepage
We insured our boat and trailer through USAA, which also does our home & car insurance. USAA doesn't do the actual underwriting, instead, they use Progressive to do boats with. They insured the boat & trailer for my declared value (instead of bluebook) stating that an adjustor "might" call me to take a look at the boat & inventory if they felt it was necessary to justify the greater value I'd placed on the boat & trailer. That was about a month ago, and I've not heard from them. When I purchased the policy, I explained that the boat came with extra racing sails which more than made up the difference between the declared value and the bluebook value. It's costing us about $24/month to have the same insurance on our boat as on my vehicles. You might give Progressive a call to see what they can do for you. One other nice thing, they don't require a survey like lots of other insurance companies do.
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Justin
Admiral

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502 Posts
Response Posted - 09/27/2006 :  11:57:45  Show Profile  Visit Justin's Homepage
I use USAA as well (they are excellent!) and like David said, they use Progressive for the boat. I was surprised how easy it was to get insurance, no survey or anything. I have the declared value type as well. I'd recommend taking a look with them.
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bamasailor
Deckhand

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USA
10 Posts
Response Posted - 09/27/2006 :  13:28:53  Show Profile
The liability coverage for the trailer will go with the auto policy as it is defined as an "Auto" as long as it is designed to be pulled by a private passenger vehicle and is not used for commercial purposes. The physical damage coverage for the boat and trailer would be covered under the boat policy.
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Frank Hopper
Past Commodore

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Pitcairn Island
6776 Posts
Response Posted - 09/27/2006 :  14:14:28  Show Profile  Visit Frank Hopper's Homepage
So are you saying that if my trailer causes damage to another boat or trailer in the storage yard due to a storm the boat libility does not cover it but my car insurance will?
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Dave Bristle
Master Marine Consultant

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Djibouti
10005 Posts
Response Posted - 09/27/2006 :  21:49:36  Show Profile
This is why I prefer to keep it all under one "roof"--with an umbrella liability rider over all of it.
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ajski1000
1st Mate

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USA
52 Posts
Response Posted - 09/27/2006 :  21:59:26  Show Profile
NO,

Ive been over this many times with INS guy.
It is my understanding that while you are towing your boat your auto liability covers any damages thereafter.
BUT your boat coverage covers your boat if it were to be damaged/stolen etc while on its trailer as well as the water!
You do not need to policies, trailer and dont worry.
I have progressive for my auto and boat and I have had Zero issues and it was very competitively priced :)
I got the agreed hull value as well, that way they dont give me some low book value during a total loss. It was a little more but well worth it if you ask me.


Hope this helps

AJ
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bmelchionda
1st Mate

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63 Posts
Response Posted - 09/28/2006 :  05:36:08  Show Profile
My experience is that it is different with each insurance company. I do not trailer, but I know my boat insurance will cover a trailer ride within 250 miles of my slip. Other insurance companies do not offer this at all.
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bamasailor
Deckhand

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USA
10 Posts
Response Posted - 09/28/2006 :  08:14:11  Show Profile
Don't get liability insurance confused with physical damage insurance. Liability insurance goes with the vehicle in this case the pulling vehicle. If your trailer is in the yard and it is being moved by someone else then their liability insurance applies. If you will check with your auto insurance companies they will tell you a recreational trailer comes under the definition of an "insured auto" for "liability" not physical damage. The physical damage portion comes with the boat policy which covers damage to the boat whether on the water or trailer. If your boat and trailer come loose while being towed and are damaged the boat policy applies. If they hit me then your auto liability applies. Sorry about being so long winded!!!
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Buzz Maring
Master Marine Consultant

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USA
1772 Posts
Response Posted - 09/28/2006 :  09:06:17  Show Profile
<blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote"><i>Originally posted by bamasailor</i>
<br />Don't get liability insurance confused with physical damage insurance. Liability insurance goes with the vehicle in this case the pulling vehicle. If your trailer is in the yard and it is being moved by someone else then their liability insurance applies. If you will check with your auto insurance companies they will tell you a recreational trailer comes under the definition of an "insured auto" for "liability" not physical damage. The physical damage portion comes with the boat policy which covers damage to the boat whether on the water or trailer. If your boat and trailer come loose while being towed and are damaged the boat policy applies. If they hit me then your auto liability applies. Sorry about being so long winded!!!
<hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">
'Nothing long-winded about it, and an excellent explanation ... thanks, and welcome to the group!
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Notice: The advice given on this site is based upon individual or quoted experience, yours may differ.
The Officers, Staff and members of this site only provide information based upon the concept that anyone utilizing this information does so at their own risk and holds harmless all contributors to this site.