Whats up with ALLSTATE?
 

Long story short I needed boat insurance , my current provider would not cover my new boat, a friend who has the same boat recommended Allstate and several other Flatdeck owners also have Allstate.
I switch my cars, house, etc.. over since the rate is better but the whole reason I switched over was to have the boat covered. A week later a get a letter from Allstate saying they will not cover the boat due to its " age " ???

Whats going on? Seems so hard to get insurance on this boat, I don`t get it.

Its probably because of all the hurricane claims.:party-smiley-004:

Went through the same issue with Allstate and Farmers. Call Stacy Schute.

I have had allstate my whole life. mutiple cars, house eveyrthing. even my 25 foot boat.

bought my 34, and they wanted RIDICULOUS amount. so i have boat covered through Geiko/Seaworthy.

Allstate wouldn't cover my 38 Special due to the length. They said they no longer write over 35'.

Allstate is not a carrier for high performance boats. I hear your situation often with Allstate and State Farm. The issue is that the captive agent has binding authority in office. They bind your insurance, without knowing or reviewing company guidelines, issue you a binder and then you "think" all is good. Meanwhile, your application is being sent to the home office for processing and policy issuance. The underwriting at home office knows the guidelines and if your boat isn't within those guidelines, then you get the nice letter you got. My recommendation to you is to look to the agents that write performance boat insurance each and every day. This way, the coverage gets placed correctly the first time.

If you need/want help, shoot me over an email: [email protected]

I don't know any details on you, the boat or your location but I'd be happy to assist you or at minimum steer you in the right direction.

Allstate covers my 1988 Formula 311, it was a PITA, they needed a survey done. They even needed me to send pics of life jackets since they didn't see any in the pics from the survey. I'm not sure what you would consider a good rate but its covered I know that.

I've def had my own issues with Allstate, for some reason they want send me one bill for my 3 cars, house, and boat. So I have to make 3 seperate payments, so stupid.

Stacey thanx good info, my wife was told we would get a quote from wake zone within 24-48hrs but that was a couple weeks ago.... My agent is on vacation, I wanna hear what he has to say... How else can I get a quote from you?

I've got all three of my boats insured with Allstate. Fantastic rates and top-notch service was there for me when I needed it badly!!! :)

When I started looking at 311's I called Allstate. They already serviced my 242ls and it was only a couple dollars more for the 89 311 I purchased.... They added the boat with no questions asked!!!! I am located in Chicago, my agents office is in park ridge IL, here is the number 847-384-9050...

Did you fill out the online form????

I requested a quote via the online form and had a quote back from Stacey with different options within 48hrs.

Allstate has covered all of my boats including the 37 A.T. I have had it for over 5 years with only a slight increase in premium.

Maybe its a new thing since Sandy ... Griff yes thats what I did

Key with Allstate is how long you have been with them I have 2 friends with Cat Boats and multiple performance boats w/ a few others, but they all have been with the same agent for years, not a problem. I have several policies homes, auto, marine, umbrella etc... never a issue to date!!!

UPDATE: My agent is back in town and the problem is with the type of policy. They will not do the premium agreed value policy on an `86 boat. So I can still get coverage but incase of total loss they will only give me market value. Guess it makes sense, someone buys an old boat insures it for triple the value and then lets it sits in the harbor while some crazy storm rolls thru.... yeah thats never happened before :party-smiley-004:



P.S. thank you Sy Goldberg for pointing me in the right direction for alternatives!!

I'm glad I could help !
 

I put you in contact with a good company with correct coverage for a boat of this age.I did not recieve any commission from this source as I was too busy handling SANDY claims to process the quote so I had Dan go directly to the company.

HUH???

They insured my 38 Special , and my 36 Outlaw

Sorry I just saw your message on here.

Pm me your name. To date, all quotes have been responded to. Also check your spam filter to make sure our message didn't get caught up in it