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.
Finally called USAA and switched my insurance from my Cat 25 (now residing in my yard) to my '82 Hunter 25. All they asked for was model, year, hull ID #, and insured value of the boat. No photos requested, no survey required. Total cost: $215 a year. This is the sixth sailboat I've insured with USAA, and have never filed a claim. Don't know if that has any effect on what documentation they request.
The only thing that was mildly disconcerting was that the agent asked about my Starwind 19, a boat I sold three years ago. He asked about it early on in our conversation, and then again just before we hung up. After an awkward pause, he asked "So you no longer own the Starwind"? I took that to mean I've been paying insurance on someone else's boat for three years, but I didn't ask and he didn't have any other questions. Oh well, just another of life's little mysteries.
I insured my boat with State Farm, my home and car insurer. I put in a claim two years ago on my broken mast, and they had no idea how to handle it. I definitely recommend using a company with experience in sail boats.
For many years I have had a policy available to members of US Power Squadron which is underwritten by St Paul. If anyone is a USPS member this may be worth investigating. I have never had a claim so cant comment on their performance in actual loss, ron SRSK Orion SW FL
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.