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hewebb
Admiral

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USA
761 Posts

Initially Posted - 09/19/2013 : 05:01:17

It is time to renew my insurance. I currently have United Marine Underwriters. It may be time to shop for a better rate. Do any of you have experience with USAA for boats. I thought when I got my vehicle insurance from them they did not cover boats. Have not called them yet.

1988 WK/SR w/inboard diesel Joe Pool Lake
Hobie 18 Lake Worth

Life is not a dress rehearsal. You will not get another chance.

Edited by - on

John Russell
Master Marine Consultant

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USA
3444 Posts

Response Posted - 09/19/2013 : 05:24:51

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by hewebb
 It is time to renew my insurance. I currently have United Marine Underwriters. It may be time to shop for a better rate. Do any of you have experience with USAA for boats. I thought when I got my vehicle insurance from them they did not cover boats. Have not called them yet.
<hr height="1" noshade id="quote"></blockquote id="quote">They act as an agent for Progressive. That works for me.

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Kennyge
1st Mate

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USA
76 Posts

Response Posted - 09/19/2013 : 06:19:21

I got a great rate from Geico which uses Seaworthy for underwriting. I have them for my car insurance also which gave me a discount.

Edited by - on

Tradewind
Admiral

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USA
531 Posts

Response Posted - 09/19/2013 : 07:40:21

I have mine insured with USAA, I'm happy with it.

Edited by - on

John Russell
Master Marine Consultant

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USA
3444 Posts

Response Posted - 09/19/2013 : 07:59:09

<blockquote id="quote">quote:<hr height="1" noshade id="quote">Originally posted by Tradewind
 I have mine insured with USAA, I'm happy with it.
<hr height="1" noshade id="quote"></blockquote id="quote">From the USAA website this morning:<blockquote id="quote">quote:<hr height="1" noshade id="quote">USAA Insurance Agency and Progressive: Working together for you.

Since 1987, we've worked with Progressive to develop coverage options that meet your unique needs at the best possible prices. We constantly monitor their financial strength and customer service quality to ensure your experience is up to USAA's high standards. And we'll work with Progressive to respond to your needs if you ever have issues or questions<hr height="1" noshade id="quote"></blockquote id="quote">

Edited by - John Russell on 09/19/2013 08:02:46

shnool
Former Capri-25 Tech Editor

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USA
1032 Posts

Response Posted - 09/19/2013 : 08:11:00

I've used Nationwide... because I bundle nobody can touch my rates (for me)...

I couldn't get Gieco, USAA, or progressive even close when I went to insure my boat. One little problem though.... my agent hadn't really ever insured a sailboat before. Quote of the day: "there is a question in here about racing... That seems odd.. Who would race a sailboat? I can't imagine that'd be a huge deal anyway given the speeds involved... but you don't race your sailboat do you?"

Oh boy, that took some explaining... Then some more explaining. Until I used the words "2 boats weighing 3500lbs moving at 10mph within inches without brakes," then she got it!

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delliottg
Former Mainsheet C250 Tech Editor

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USA
4479 Posts

Response Posted - 09/19/2013 : 11:40:39

We have Progressive through USAA as well. No complaints at all. I've only had one claim, and it ended up not costing me a dime, and my rates/deductibles, etc. didn't go up.

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dmpilc
Master Marine Consultant

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USA
4593 Posts

Response Posted - 09/19/2013 : 12:41:39

Mine is bundled with Travelers home and auto. I'm fairly happy with it, but hard to tell since I've never had reason for a claim.

Edited by - on

TakeFive
Master Marine Consultant

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2272 Posts

Response Posted - 09/19/2013 : 13:43:55

Check the terms carefully. My State Farm policy did not cover environmental damage and was limited to agreed value for salvage+loss. In other words, if the salvage costs equalled the value of your boat, you get nothing.

My BoatUS policy covers up to $854k for environmental damage, and up to agreed value for salvage cost, PLUS up to agreed value for loss. In other words, they'd pay up to 2x agreed value for the two.

Edited by - TakeFive on 09/20/2013 06:40:21

Voyager
Master Marine Consultant

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USA
5378 Posts

Response Posted - 09/19/2013 : 18:59:48

I insure thru the US Power Squadron who uses Northwest. Rick - Now I gotta reread my policy!

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