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Should I switch to State Farm for my boat insurance?


Should I switch to State Farm for my boat insurance?

Old 04-03-2002, 09:52 PM
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I have had State Farm for over 20 years. I'm on my third boat with claims on two which were paid promptly and fairly. No auto claims but Mother Nature did $20K hail damage to my house. Again prompt resolution. Just make sure the total value insured is more than enough and double check personal injury coverages.

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Old 04-04-2002, 01:01 AM
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SF required me to have a survey to show a value. I believe this is the case for boats over 10 years old.
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Old 04-04-2002, 08:59 AM
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I think it depends on the agent/underwriter whether or not they will do agreed values. It was never a question with my agent. He just asked what amount I wanted the boat (80k) and then the trailer (8k). He then gave me deductable options. That was it. I went with a $1000 deductable. My rate is $538 per YEAR!
Old 04-04-2002, 09:41 AM
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Default MARKEL insurance for HOTBOATERS

I have had Markel Insurance for a few years now.


They were aware that my Hydrostream did 90+ MPH and they insured me. I think my premium for full coverage was about $500 and I made a claim once for a sportmaster lower unit that hit an underwater obstruction. They paid out $2700 with nothing but an estimate and a written statement.

This year, my Superboat premium is only $193 for liability only. I told them it does 75 MPH. I need to get a Survey done to get full coverage since the hull is a 1979.
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Old 04-04-2002, 01:16 PM
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Yes you should. Very good prices and excellent service. I had a 1988 Z33 that they insured for $750 per year. Had the 365s and B1s. A little massaged inside but not outside
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Old 04-04-2002, 02:21 PM
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The agent is everything with State Farm !!!!! Mack 312 can tell you......Just ask him !!! We have a top notch agent.
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