I need Boat Insurance in Dade County now!

Capt'n Shane · 09-22-2006, 04:12 PM

Fellas,
I am in need of a new boat policy. Most companys will not write me because of my location. I live in Dade county with the boat in the water. Need a replacement value of 92K. Progressive quoted me 4K. No way! I'am waiting on Boat U.S. If you all can help please let me know. Thanks.

gsniffen · 09-23-2006, 06:52 AM

I have a boat in the water in Palm Beach with replacement value coverage in the amount of $175,000. This is also with Progressive. It's hard to understand why such a difference. When I quoted Boat US, they were higher. You may want to consult an independent dealer to shop around for you. Another possibility is to attach the boat to a homeownwers policy.
You failed to mention if commercial or recreational vessel. This would also make a difference.

The BEAST · 09-23-2006, 02:55 PM

It doesn't matter. My commercial insurance is $4,063 per year on 125K agreed value. I have Markel who I got through Charter Lakes in Jacksonville. You aren't going to find the under 1K of the olden days. Insurance is a cut throat business now and we are the ones being bled dry.

Don't hold your breath waiting on Boat US. That is a West Marine Company and there is nothing cheap with West Marine. Most all I know that get quoted from Boat US say it is double the price/

Capt. Jim
The BEAST

Relentless33 · 09-23-2006, 03:02 PM

When we got our quote from Boat US I believe it was just under double the price :shock:

cyndi63 · 07-04-2007, 11:19 AM

I use UMU for my boat insurance. If they cant do it they will refer to someone who can. Lets face it Fla is never going to be fun to insure

B767 · 07-05-2007, 11:37 PM

Quote:

Originally Posted by gsniffen

I have a boat in the water in Palm Beach with replacement value coverage in the amount of $175,000. This is also with Progressive. It's hard to understand why such a difference. When I quoted Boat US, they were higher. You may want to consult an independent dealer to shop around for you. Another possibility is to attach the boat to a homeownwers policy.
You failed to mention if commercial or recreational vessel. This would also make a difference.

How would that work? (in order to attach it to homeowner)

TKO · 07-06-2007, 09:30 AM

I'd definitely try Charter Lakes in JAX. They were 50% of my former insurance agent's quote. Same coverage, more area. BoatUS was $2,000 higher than the local guy.

lopezmj10 · 07-18-2007, 10:30 PM

I could not get a quote in Miami for under $5000.00 for $99K value (& that's underinsuring my boat). Whoever did quote would not include Hurricane coverage or would have a 25% deductible for hurricane, another told me I had to move my boat out of the "cone" issued by the Hurricane Center within 24 hours or it would not be covered.

Finally got a quote for $4500.00 with Offshore Risk Management, Telephone 305 396-6215 888-548-9468 a lady by the name of Kitt.

Hope that helps

Capt'n Shane · 07-19-2007, 10:07 AM

I used Markell. No problem with them. $1500 (no hurricane insurance.)

Knot Proper · 07-23-2007, 09:13 AM

Hey Shane if you are still looking try this guy Ronnie Bradley 954-977-4500 He does a lot of stuff for sundance marine

DonK · 07-27-2007, 01:18 PM

Quote:

Originally Posted by Capt'n Shane

I used Markell. No problem with them. $1500 (no hurricane insurance.)

Hey Cap't Shane, were you shopping commercial or pleasureboat?

I am looking to insure my sled for chartering...(unfortunately it is >30 yrs old)

Capt'n Shane · 07-27-2007, 07:23 PM

Roughly $2500 for charter. $1500 for pleasure

DonK · 07-29-2007, 09:25 AM

thanks! I'll give Markell a call

The BEAST · 07-31-2007, 01:39 AM

Wow! I got nailed by Markel on my rnewel last month. I went from $4063 to $6527. When I questioned it the answer reminded me of when my Mom used to answer me "Because I said so!" Oh yeah, a week later they sent me a notice nstating they could reduce my premium to $3000 next hyear if I drop my hurricane coverage. Hell, other than liability or a total theft there is not much use in having insurance at all since the deductible is higher than most normal incidents.

Got us by the short hairs, boyz!

Think about it! Everyone in S Florida is paying 14 X or better on all insurance rates on homeowners and boats than they did pre Andrew. If they can get by without a major hurricane in the area for 2 years they will be fat cats again. Ya think we'll get a rebate?

DonK · 08-01-2007, 09:32 AM

did they even kiss you?
or have the common decency to give you a "reach-around"?

09-22-2006, 04:12 PM	#1 (permalink)
Capt'n Shane Hooked Up Join Date: Sep 2006 Location: Aventura, Florida Best Catch: 63" Swordy Occupation: oilfield production Posts: 386	I need Boat Insurance in Dade County now! Fellas, I am in need of a new boat policy. Most companys will not write me because of my location. I live in Dade county with the boat in the water. Need a replacement value of 92K. Progressive quoted me 4K. No way! I'am waiting on Boat U.S. If you all can help please let me know. Thanks.

07-23-2007, 09:13 AM	#10 (permalink)
Knot Proper Hooked Up Join Date: Feb 2007 Location: Fort Lauderdale Boat: Knot Proper 26' Sailfish Best Catch: 200+ Blue Marlin Occupation: Boat Sales, Sundance Marine Posts: 155	Hey Shane if you are still looking try this guy Ronnie Bradley 954-977-4500 He does a lot of stuff for sundance marine __________________ LIFE SHOULD ALWAYS BE THIS MUCH FUN! Brian@sundancemarineusa.com www.sundancemarineusa.com

07-29-2007, 09:25 AM	#13 (permalink)
DonK Hooked Up Join Date: Feb 2007 Location: Boca Raton Boat: "the Fish-Tank", 1986 Rybo Runner Best Catch: 395# Broadbill Occupation: Restaurant software engineer, Sun Sentinel Restaurant Reviewer, Mis-Boated 6-pack Capt. Posts: 557	thanks! I'll give Markell a call __________________ Hic Sunt Dracones

07-31-2007, 01:39 AM	#14 (permalink)
The BEAST Charter Captain Join Date: Jun 2006 Location: Miami Boat: 2007 WorldCat 330TE / 300 Suzuki's Best Catch: every catch is my best catch Occupation: charter captain Posts: 955	Wow! I got nailed by Markel on my rnewel last month. I went from $4063 to $6527. When I questioned it the answer reminded me of when my Mom used to answer me "Because I said so!" Oh yeah, a week later they sent me a notice nstating they could reduce my premium to $3000 next hyear if I drop my hurricane coverage. Hell, other than liability or a total theft there is not much use in having insurance at all since the deductible is higher than most normal incidents. Got us by the short hairs, boyz! Think about it! Everyone in S Florida is paying 14 X or better on all insurance rates on homeowners and boats than they did pre Andrew. If they can get by without a major hurricane in the area for 2 years they will be fat cats again. Ya think we'll get a rebate? Last edited by The BEAST; 07-31-2007 at 01:47 AM..

08-01-2007, 09:32 AM	#15 (permalink)
DonK Hooked Up Join Date: Feb 2007 Location: Boca Raton Boat: "the Fish-Tank", 1986 Rybo Runner Best Catch: 395# Broadbill Occupation: Restaurant software engineer, Sun Sentinel Restaurant Reviewer, Mis-Boated 6-pack Capt. Posts: 557	Wtf did they even kiss you? or have the common decency to give you a "reach-around"? __________________ Hic Sunt Dracones

09-23-2006, 06:52 AM	#2 (permalink)
gsniffen Lines In Join Date: Oct 2004 Posts: 24	I have a boat in the water in Palm Beach with replacement value coverage in the amount of $175,000. This is also with Progressive. It's hard to understand why such a difference. When I quoted Boat US, they were higher. You may want to consult an independent dealer to shop around for you. Another possibility is to attach the boat to a homeownwers policy. You failed to mention if commercial or recreational vessel. This would also make a difference.

09-23-2006, 02:55 PM	#3 (permalink)
The BEAST Charter Captain Join Date: Jun 2006 Location: Miami Boat: 2007 WorldCat 330TE / 300 Suzuki's Best Catch: every catch is my best catch Occupation: charter captain Posts: 955	It doesn't matter. My commercial insurance is $4,063 per year on 125K agreed value. I have Markel who I got through Charter Lakes in Jacksonville. You aren't going to find the under 1K of the olden days. Insurance is a cut throat business now and we are the ones being bled dry. Don't hold your breath waiting on Boat US. That is a West Marine Company and there is nothing cheap with West Marine. Most all I know that get quoted from Boat US say it is double the price/ Capt. Jim The BEAST

09-23-2006, 03:02 PM	#4 (permalink)
Relentless33 Grander Join Date: Apr 2006 Best Catch: 81" sword Posts: 3,017	When we got our quote from Boat US I believe it was just under double the price :shock:

07-04-2007, 11:19 AM	#5 (permalink)
cyndi63 Grunt Join Date: Jul 2007 Posts: 1	I use UMU for my boat insurance. If they cant do it they will refer to someone who can. Lets face it Fla is never going to be fun to insure

07-06-2007, 09:30 AM	#7 (permalink)
TKO Grunt Join Date: Sep 2006 Location: LHP, FL Boat: 31 Contender Posts: 1	I'd definitely try Charter Lakes in JAX. They were 50% of my former insurance agent's quote. Same coverage, more area. BoatUS was $2,000 higher than the local guy.

07-18-2007, 10:30 PM	#8 (permalink)
lopezmj10 Lines In Join Date: Jan 2007 Location: Key Largo, Fl Boat: Avanti 33 Best Catch: Oriental WIFE Occupation: Pharmaceutical sales Posts: 78	I could not get a quote in Miami for under $5000.00 for $99K value (& that's underinsuring my boat). Whoever did quote would not include Hurricane coverage or would have a 25% deductible for hurricane, another told me I had to move my boat out of the "cone" issued by the Hurricane Center within 24 hours or it would not be covered. Finally got a quote for $4500.00 with Offshore Risk Management, Telephone 305 396-6215 888-548-9468 a lady by the name of Kitt. Hope that helps

07-19-2007, 10:07 AM	#9 (permalink)
Capt'n Shane Hooked Up Join Date: Sep 2006 Location: Aventura, Florida Best Catch: 63" Swordy Occupation: oilfield production Posts: 386	I used Markell. No problem with them. $1500 (no hurricane insurance.)

07-27-2007, 07:23 PM	#12 (permalink)
Capt'n Shane Hooked Up Join Date: Sep 2006 Location: Aventura, Florida Best Catch: 63" Swordy Occupation: oilfield production Posts: 386	Roughly $2500 for charter. $1500 for pleasure

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