Trying to locate insurance for a cat that is 25+ years old and runs mid 120s. I have previous cat experience and the company’s I insured with before won’t insure a boat that old. Anyone have a policy on an older boat that is willing to share who they insured through? Thanks, Rob

You MAY not be able to get insurance for the boat, but perhaps a Personal Liability Umbrella Policy would give you the liability coverage you would need to cover others.

I agree with Sydwayz. You might be able to find someone who will insure it but the cost wouldn't make sense for the boat's value. Most states don't require boat insurance. A personal liability umbrella can't hurt but you should check with your local insurance agent with exactly what that is protecting.

I currently have an umbrella policy for 2m. I will reach out to my agent as I didnt even think that would be an option. I appreciate the help guys!

Ok, just spoke to my agent for my umbrella policy. Just using my umbrella will not cover the boat or any potential injuries or damage. She told me the umbrella is a secondary coverage to your original policy, and that most likely my current umbrella coverage wouldn’t even except the policy for the vessel because of the speeds. The vessel would have to be named on the umbrella, if that makes sense.

All that said, I’m still looking for options.

Not sure if they have any age restrictions but try Total Dollar.

Ive been with Total Dollar for 5 + yrs worth a call

Thomas Carroll orJack Egan
Boat Department
[email protected]
516- 833-1543
Total Dollar 1 Pleasant Ave.
Port Washington NY

Thanks speedy. Just spoke to Thomas. Looks like I need to submit a survey before they will even consider insuring the older cats.

Yes, survey required every 5 yrs after the policy is bound, cant believe my boats 25 yrs old..........good luck

When I insured mine with Total Dolla I was told if mine was over 20 years old they couldn1t insure it.
Just made it .. I have a 2004.