I used John Posey and the policy is with Markel. I had Foremost for a few seasons on my Liberator. It's not cheap and its only broken down into 4 payments.

They send you a form to fill out for a "boating resume" and I listed the fact I had been boating my entire life and driving my fathers boats. John said that personal credit and driving record also come into play.

I'm about to move up from my 25 to a 28 or 30 with twins and its probably going to cost me around $4500 to 6500 a year.

That's what I've been trying to get the quotes on....hasn't worked. Allstate has provided a quote though, but I'm pretty sure underwriting would deny it.

A 26 with an HO shouldn't be 3K plus or un-insurable, but it is for me.

It's insane that you take on a small boat payment just in insurance for a fast cat. No big deal for the guys with hugely expensive cats, but for a $75k cat it's nuts.

Bingo! That is exactly what I did a few years ago when I was 25. Still payed out the a$$ for it.

The funny thing is that's not a FAST cat. Those insurance quotes are for 28' & 30' daytonas with 496HO's. A 28 with that power would be lucky to see 100mph.

Posey told me its age right now that is holding me back.

Have you owned a performance boat at all? I can see how underwriting would turn you down if not. Good news is most of the V bottoms are running very fast nowadays. So you can still get that speed fix. Anything under 85-90mph is pretty boring after a few weekends.........

You need to go through one of the ins companies that advertises here. And yes, it will be about 3k.

I have been, and some can't even do it at all for $3K.

I'd need a Tres class, or be 35 (haha can't fix that yet) or prior cat experience. This is for a 75 mph boat.

So needless to say, I'll just go with V. I can deduct the interest, fit more people, and have a cabin in case I want to crash on it. It'll work a little better for partying as well.

You never know who may want to crash with you

The way I see it, I can get buy a heck of a lot more boat in V for the same monthly cost between the payment and insurance. I'd rather give the money to the bank than the insurance agent.