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RichardG
Admiral

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USA
990 Posts
Initially Posted - 03/08/2004 :  12:11:18  Show Profile
I've started shopping my insurance around -- cars, home, etc. AAA seemed to offer a better deal than I'm currently paying, including a little bit less on the boat. While I have no problem with my current boat carrier (CNA through BoatUS) and have heard relatively good things about them from those who have had claims, I would have to bump up their liability coverage to meet AAA's minimum under the umbrella, plus would lose a multi-policy discount.

Anyone have any experience with AAA insurance?


RichardG 81 FK/SR #2657
Terminal Island, CA
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Raskal
Navigator

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USA
162 Posts
Response Posted - 03/08/2004 :  16:19:33  Show Profile
RichardG, I don't have experience with other carriers besides my BoatUS policy but BoatUS policy holders get a little magazine each month called "Seaworthy". The most recent issues had testimonial letters from readers describing how other boaters with policies from non-specialist companies were not getting serviced in the aftermath of Hurricane Isabel in the Mid-Atlantic states while BoatUS customers were getting quick visits and checks from their policies. While it's obviously self-serving advertising, I suspect there's a big grain of truth in being cautious about insuring a boat with a company that specializes in other things or nothing...

Rich Kokoska
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At Ease
Admiral

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672 Posts
Response Posted - 03/08/2004 :  17:07:26  Show Profile
You might want to check with the insurance co that carries your home policy. With some carriers, if the boat is less than 35', less than 50 hp and under a certain value, you will be covered under the home ownner's policy. My C25 is covered like that...does not cost me anything.
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Doug
Captain

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USA
457 Posts
Response Posted - 03/08/2004 :  21:46:27  Show Profile
<blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote">The most recent issues had testimonial letters from readers describing how other boaters with policies from non-specialist companies were not getting serviced in the aftermath of Hurricane Isabel in the Mid-Atlantic states while BoatUS customers were getting quick visits and checks from their policies. <hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">

I hate to be a sceptic, but I do know what it's like to work a CAT like Izzie. I seriously doubt that Boat US was down there handing out checks any faster than the Major Players (State Farm, Allstate, etc). As big as Boat US is, there is not even a remote comparison to the resources of the Majors. They do not have entire teams of CAT people ready to move in with equipment and checkbooks after a CAT. Also keep in mind that Izzie, Hugo, or Andrew probably blew chunks of your house off at the same time. Sometimes it's nice to work with one company instead of 2 or 3, and sometimes (take a deep breath) the boat is the least of your worries.

Maybe this is the quote worth noting: <blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote">While it's obviously self-serving advertising...<hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">

If you're happy with the guys that insure your car, home, and life, why not ask them about insuring your boat?
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Earl Landers
Navigator

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USA
157 Posts
Response Posted - 03/09/2004 :  06:50:59  Show Profile
Richard,
I've used AAA for years, covering both my CAT25 and my Hobie 14T. I had one claim years ago where a power boat ate my starboard hull (Hobie16) . No one was hurt, but the hull was mulched along the lip. AAA asked for an estimate, dealer said new hull, AAA paid for a new hull. Painless
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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.