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Thread: Recommendations from the Group

  1. #1
    Member AKBassking's Avatar
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    Default Recommendations from the Group

    I checked with GEICO on insurance this year for my Wooly. They sub-contract out to a company called Ski Safe.

    I have a 1993 Wooly with a 250 Evinrude Jet and they are quoting me $561 a year. Issue: The engine (which is a 2005) is only insured to 25% of the total value of the boat or $7000.

    I think I can get better. What would you all recommend?

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  2. #2
    Member Jimw's Avatar
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    Try Allstate some were around $450 a year. $40k replacement and 8k engine clause.
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  3. #3
    Moderator Paul H's Avatar
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    If you have USAA, they subcontract to Progressive, but at better rates.

  4. #4
    Member Rock_skipper's Avatar
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    State farm quoted me $350.00 for the boat and the new 4-wheeler.

    I have been with them for over 10 years though and no infractions.

  5. #5

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    I have had state farm for years (about 14 or so). I insure my house, my truck, my sleds and trailer, no accidents, good record and such, and when I tried to insure my boat (19 jetline) they wanted $800 a year.

    Any local fairbanks people have a source for cheaper *local so to speak* insurance?

  6. #6
    Member Akgramps's Avatar
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    I have insurance through Allstate, I pay $340.00 a year for a "cash value policy", essentially if its a total loss they pay the amount for which I have it insured, (I have never tested it).
    The hull is valued at 15K, the motor at 12K, trailer at 2K and the boat equipment at 2700. Total is 31700.00.

    I think 340 is very reasonable considering I shouldnt have to fight with a adjuster about what its worth, there was no apraisal done, I just gave them the costs. It was realistic at the time I bought it, I now have added some things and maybe should increase it some? I suppose if someone "inflated" the values of their boat and made a claim it could raise some scruitiny.

    I do have some other policies w/Allstate and that might make diffrence, dont know about Geico, we had a claim against Geico this spring and it was not a good experience, maybe because I was the one making the claim. I dont know how well they payout if you have the policy with them? I know I will never put myself in that situation..........

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