Allstate quoted my 27 for 320 bucks a year.

Tell them that it has a 496 and the top speed is 50.

Also, my agent said that they can get boats that are 27 and under written on your homeowners policy now.

I had State Farm Insurance several years back and they were terrible to deal with. I am currently with TN Farm Bureau and they are great. Of course it doesn't hurt to have my agent as a neighbor and good friend. It is all about your agent going to bat for you.

I had a friend that had a loan denied on his 29 Fever by Suntrust because the boat went over 70.

i have grange and they put my 35 on my homeowners and i had a claim last year and the adjuster told me that they dont insure these kinda boats and i would probably get dropped that was a year and a half ago and they still haven't dropped me yet!!!!!!!

My State Farm agent laughed and told me he doesn't even his insured with State farm

State Farm currently insures my 98 29 foot fever.

one of the main reasons why I haven't gotten a 27 fever yet is getting insurance quotes of $2100 a year.

Keenan Marine
 

I have mine thru Keenan Marine. Call John 800-892-1554

You should jump on that. I wonder what they would charge for a 47 which is much slower?

27' for 300 bucks. It is not considered high performance unless you spout off about going 80mph. Get the replacement value where it needs to be and roll with it. These outrageous insurance quotes kill me. Tell them what they ask for and you will be fine. I have had claims and actually have a 900hp blower motor, not a 502/415. Havent had a problem.

I think just saying Fountain scares them enough to give the higher rate. In my thread about the 25OL Vs. 27 Fever I was looking at those two options for boats and I went to progressives website and typed in those to boats for qoutes and they wanted $2100 a year for the Fountain with a 496HO and $1100 a year for a Baja 25OL with a 496HO

I never had a problem. And I am sure that the insurance people here know boats. Its all done by length weight and speed.

I dont like high insurance rates either, but when you need them the most, I wouldnt want to be in your shoes. Thats all the underwriters need is to find an out because you misrepresented your boats speed. Good luck ,hope you never need to file a claim. Not busting your stones, just dont want to see someone get burned.

I have had claims before. What are they gonna do measure the skidmarks. All that I am saying is Fountain or not, the length of 27' is not a red flag for "high performance". You can usually fly below the radar. As you get bigger I am sure that it will get extremely more difficult.

Now totally different is my Skater. You say Skater, or "cat" and forget about it. That puts you in a totally different league.

I would never pay more than 1k per year for a 27' boat no matter the power. If you are that high then you need to get an independent agent to shop for you. JMO. I do see what you are saying though Beak Boater.

First year I had my Fountain I paid 1200/yr through Progressive the next yr I shopped around and got it for 753/yr through Elton Porter I have 2000 27 fever

I gets me hot that the insurance industry bust our stones and charge us inequitably high rates because we are "high performance". Talk to the guy with the $50-60k bass boat with a 300 hp outboard running 85 when he weighs about 1500 lbs and is chine walking like hell running in 3' of water trying to race somebody to his secret spot or blasting off at a fishing tournament, payin' $500 of insurance. Now that is high risk to me!

Insurance Man that is a boater too!!
 

You need an insurance person that is a boater himself. Ray Anderson in KC 913-334-3553. He is a boater. Plus he has performance boats himself. He knows what you need and don't need. It would be worth it to let him give you a quote. He seems to beat everyone on price, majority of the time.

I see some of you are mis-representing the performance of your boat just so that you can get either a cheaper rate or get insured with a certain company.

If you do this it is considered fraud if you file a claim and you will not be covered.

Most home and auto type of insurance company's will not properly insure a boat like a Fountain. You really need to seek out the proper type of insurance. Also with a boat I would never get anything other than an agreed value policy. If you do not get an agreed value policy and the boat is a total loss you will not receive anywhere near the low book value of the boat.

very well stated!!!