Insurance coverage , Is this normal?
07-28-2025 | 05:35 PM
#31
Platinum Member
Joined: May 2012
Posts: 11,418
Likes: 3,938
From: Midwest & T-Rock
I really don't know if you can get an Umbrella Policy to be the ONLY liability coverage for your boat, period. Typically EACH vehicle, home, etc. needs it's own policy as a "deductible" to engage the PLUP.
BUT, you NEED to TALK to your AGENT. You can't just hit a website to get these answers. I, like Dan, have a State Farm agent who has pages of my insurance policies. He happens to be a gearhead too. And every though I don't own a boat at the moment, I still carry an cheap agreed value insurance policy and liability on the last one, a cat no less; just so I don't have "gap in coverage" or "boat ownership" to keep my boating resume up to par for when I am done racing cars, and ready to do something dumb like buy a boat again.
BUT, you NEED to TALK to your AGENT. You can't just hit a website to get these answers. I, like Dan, have a State Farm agent who has pages of my insurance policies. He happens to be a gearhead too. And every though I don't own a boat at the moment, I still carry an cheap agreed value insurance policy and liability on the last one, a cat no less; just so I don't have "gap in coverage" or "boat ownership" to keep my boating resume up to par for when I am done racing cars, and ready to do something dumb like buy a boat again.
07-28-2025 | 06:29 PM
#32
Thread Starter
Registered
Joined: Jun 2009
Posts: 9,946
Likes: 6,418
From: Chicago
I was told I can`t get a umbrella policy unless the boat is insured with State Farm. if it isn`t then it would not be covered under the umbrella coverage.
Seems like a bad umbrella, more like a hat .
Seems like a bad umbrella, more like a hat .
07-28-2025 | 06:36 PM
#33
Platinum Member
Joined: May 2012
Posts: 11,418
Likes: 3,938
From: Midwest & T-Rock
Dan, all my agent had to do was attach the boat declaration page to the umbrella policy get it approved and it was done, guess other agencies do it differently, besides SF cant insure your boat nor can Farmers insure mine.
07-29-2025 | 08:12 AM
#35
Forum Regulator
Joined: May 2001
Posts: 24,203
Likes: 1,592
From: Worldwide
WRT State Farm...
...it ALL depends on your agent. Maybe the catamaran is automatically a no go.
But my agent wrote my 37' AT up as a 'cabin cruiser' and told me to "take pictures that makes it look less pointy."
She was a gem though, and totally took care of EVERYTHING for me.
Bringing her flowers a few times made all the difference.
She became ill, retired, and we lost touch. But she TOTALLY set the standard.
I now have another agent who is awesome as well.
...it ALL depends on your agent. Maybe the catamaran is automatically a no go.
But my agent wrote my 37' AT up as a 'cabin cruiser' and told me to "take pictures that makes it look less pointy."
She was a gem though, and totally took care of EVERYTHING for me.
Bringing her flowers a few times made all the difference.
She became ill, retired, and we lost touch. But she TOTALLY set the standard.
I now have another agent who is awesome as well.
Last edited by Sydwayz; 07-29-2025 at 08:22 AM.
07-29-2025 | 09:03 AM
#36
VIP Member
Joined: Jul 2017
Posts: 1,740
Likes: 298
From: Sodus MI
WRT State Farm...
...it ALL depends on your agent. Maybe the catamaran is automatically a no go.
But my agent wrote my 37' AT up as a 'cabin cruiser' and told me to "take pictures that makes it look less pointy."
She was a gem though, and totally took care of EVERYTHING for me.
Bringing her flowers a few times made all the difference.
She became ill, retired, and we lost touch. But she TOTALLY set the standard.
I now have another agent who is awesome as well.
...it ALL depends on your agent. Maybe the catamaran is automatically a no go.
But my agent wrote my 37' AT up as a 'cabin cruiser' and told me to "take pictures that makes it look less pointy."
She was a gem though, and totally took care of EVERYTHING for me.
Bringing her flowers a few times made all the difference.
She became ill, retired, and we lost touch. But she TOTALLY set the standard.
I now have another agent who is awesome as well.
Don't think there's any way to make the Kitty Kat look "not fast" in pictures hahahaha
