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Catalina/Capri 25/250 Sailor's Forums

Catalina 25 Specific Forum

Boat Insurance

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timmvorz
Deckhand

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USA
3 Posts

Initially Posted - 06/29/2003 : 19:06:16

What's the best place to get insurance for a sailboat? I just bought a Catalina 25, but don't want to insure it against loss - just liability.

Thanks,
Tim

Edited by - on

Doug
Captain

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USA
457 Posts

Response Posted - 06/29/2003 : 19:23:05

Talk to the same people you use to insure your house and cars. There's a chance your homoeowners will provide liability coverage if that's all you want.

Doug - #1913 Noeta

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timpky
1st Mate

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USA
41 Posts

Response Posted - 06/29/2003 : 20:36:12

Tim,
I have a 78 Catalina 25 and insured it through Progressive (same people that cover my car). Both liability and hull combined were only $192. per year.

Tim Peoples
Sarasota, FL
78 Catalina 25 SK Hull #875

Edited by - on

seads
1st Mate

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USA
90 Posts

Response Posted - 06/29/2003 : 21:21:00

I have always used BOAT/US and did the same for my Cat 25. Have never had any problems. Cost is about $230/year (boat and liability) on my 1982 model year. Had a claim once on a power boat and had no problems/no hassles.

Stewart Eads
"Osprey" 1982 FK/SR #3408

Edited by - seads on 06/29/2003 21:21:50

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Dave B
Admiral

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Mali
863 Posts

Response Posted - 06/29/2003 : 22:05:56

Hull insurance is a negligable part of the cost of policies for our old boats... BoatUS (CNA) seems pretty competitive and has a huge market share. Friends who have made claims (we haven't) have had very good experiences--for example, when their C-30 went up on the rocks during a hurricane, and another time when lightning (probably not a direct hit) took out all of their electronics. I like BoatUS's quarterly magazine that focuses on safety and other risks--a nice touch.

Dave Bristle, 1985 C-25 #5032 "Passage" SR/FK/Dinette/Honda in SW CT

Edited by - dave b on 06/29/2003 22:09:55

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jsummerfield
1st Mate

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USA
96 Posts

Response Posted - 06/29/2003 : 22:22:40

Boat US may be the best deal on liability only but still near $200 if on the water. I too went with Progressive to include hull insurance. As I am out of the country over half the time I then added my spouse and one son as drivers. The first son and spouse was a big hit to the budget. The younger son would have been quite high and I did not put him on. He has had three recent tickets.

I may be solo on the policy next year.

John

Edited by - on

karentc
1st Mate

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USA
68 Posts

Response Posted - 06/29/2003 : 23:27:12

I insured my 86 Cat 25 with West Marine- my homeowners wouldn't cover my boat due to a couple of parking lot accident claims... My agent is also a sailor and said that it was probably cheaper than going through him anyway, and it was. I think I pay $175 and they were great when I had a claim last year. NO hassles and no deductible. Loved it. Good luck!
Karen :)

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JimB517
Past Commodore

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USA
3285 Posts

Response Posted - 06/30/2003 : 13:20:40

My BoatUS policy was only $120, and meets the requirements of the Marina, but is a declared value policy. If your boat is a total loss they assess the market value and apply depreciation, etc. Who knows what you'll get. Vessel Assist gave me a quote for $200 for an agreed value policy. If your vessel is a total loss they will pay you the agreed value in the policy.

I don't have much $ tied up in this boat. I mainly wanted liability and to meet the marina obligations. I went with the cheapest - BoatUS.

<img src="http://www.indiscipline.org/cat25/pictures/icon.jpg" border=0>Indiscipline 1978 FK #398

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John Bixby
Navigator

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118 Posts

Response Posted - 06/30/2003 : 14:57:49

I SWITCHED BACK TO BOAT US FROM MARINE INS CO. BOAT US WAS A THIRD OF WHAT THE NEW HIGHER PREMIUMS WERE GOING TO BE. FOR ABOUT TWO YEARS THEY WERE COMPETATIVE WITH BOAT US AND THEN THEY MORE THAN DOUBLED THEIR RATES. I ALSO CHECKED WITH MY HOMEOWNERS INS. AND THEY WERE ABOUT THE SAME PRICE AS BOAT US BUT WANTED A SURVEY. DIDN'T WANT TO SPEND THE MONEY FOR A SURVEY SO WENT WITH BOAT US. PROBABLY SHOULD HAVE NEVER CHANGED FROM THEM IN THE FIRST PLACE.
JOHN ON MS ACHSA

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77Gypsy
Captain

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USA
356 Posts

Response Posted - 07/03/2003 : 22:38:53

i've always insured through boatus and have liked them. the only hassel was i had to go take pictures of parts of the boats and send to them.

Steve
78 C25 SR/FK - Gypsy
<img src="http://www.websdf.com/logo.jpg" border=0>

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77Gypsy
Captain

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USA
356 Posts

Response Posted - 07/03/2003 : 22:39:28

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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.