32 Owners
 

I am very close to pulling the trigger on one....can you guys tell me what you pay for insurance, with whom and in what state? Thanks...

Re: 32 Owners
 

3k in high theft, hurricane FL through Progressive. Was $1900 per year in 04 and going up $500 a year ever since. I have heard as low as 600-700 in the midwest with 5 month layups.

Re: 32 Owners
 

Live in Atlanta.
approx $800.00. no layup & agreed replacement value. State Farm

Re: 32 Owners
 

$1900 threw Sy at Total Dollar. Full replacement value $115,000

Re: 32 Owners
 

New SS - full replacement with 496 HO $7900; with 6.2 $1700. Progressive located in Va. Beach.

Re: 32 Owners
 

And the HO boat will be 8 MPH faster, not worth 6K a year to me!

Re: 32 Owners
 

To you maybe, But to 95% of the guys on here 8 MPH faster is as important as 8 inches longer for the girls :D :D

Re: 32 Owners
 

Fundamentally this difference could never be justified through actual experience. I would love to see the actuarial data to support this difference. I think they are telling you they do not want to insure the HOs. I'd go elsewhere if I had HOs.

Re: 32 Owners
 

Under $600 in MO thru State farm w/ 6.2's

Re: 32 Owners
 

That's with the 496 HO's 80+ MPH

Re: 32 Owners
 

Living in FL adds a whole new multiplier to the insurance scam:

For me a new 07 288 MCOB with 496 HO (70+ mph) is 1300 yr with Progressive

My 04 32 MCOB (73 MPH) is $2700 but they won't write a new 32 since their new cutoff at Progressive is 30 ft or 100K.

Geico (Sea Safe) quoted me today on the 04 32 MCOB $4500 yr with NO WINDSTORM COVERAGE (Hurricances), a 5% deductible and a 12% deductible for theft. I laughed at the lady and sent my renewal check in to Progressive :D

Re: 32 Owners
 

$646.00 a year through State Farm, I'm sure it helps that I also have Three vehicles, House and property with them.

Re: 32 Owners
 

Yep. I also have bank accounts, mutual funds and credit cards, as well as all cars, both houses, Umbrella policy etc.

All that helps when you want to get your boat covered.

Re: 32 Owners
 

All the other pieces like other vehicles, homes and umbrella do help. The problem was in fact with the umbrella. I needed a minimum of $500k of liability to meet the umbrella minimum. There was plenty of insurance out there to cover replacement of the boat, etc. Issue was on finding $500k of liability coverage. Everyone was quoting only a $100K. Other boat is 20 ft. 55mph. Making the switch to 32 ft. 80 mph with 496 HO was problem.

Re: 32 Owners
 

Mine required 500K liability, they would not write any less. I could go more if I wanted to.

Re: 32 Owners
 

are those of you getting hit with the high premiums haveing you auto driving records brought up?

in 1990 i bought my first boat a heavy 25 ft wannabe go fast, my state farm agent had a fax (sows the times) from underwriting asking if they should insure my boat because of speeding tickets on my auto driving record.

just my .02

btw 1998 formula 353 hp 500's with state farm in wisconsin approx $900/yr

Re: 32 Owners
 

That will always happen. There are credit ratings that apply and lots of other determinations. Some may think it is not fair, but reality is the actuary tables don't lie, there is a relationship between behaviors in an auto or bad credit and propensity for loss on other items. So that all comes into play these days as the insurance companies become much more sophisticated in what they consider.

Re: 32 Owners
 

Very well stated!! It's all about the "risk factor"

Re: 32 Owners
 

Progressive via Worldwide insurance. Don't bother trying to call Progressive up direct. Go thru Worldwide.

Avoid any "Yacht" type policies. You will pay far more for stuff you don't need. Stick with recreational boat types. BTW you don't know the top speed. All you know is it's got these motors and it's this long... ;)

Re: 32 Owners
 

John I agree 100% but they are also considering the zip codes as well. If you live in a high risk area (hurricanes, theft, etc) then you will be charged for it!

Re: 32 Owners
 

There are hundreds of determinate rating factors these days. Hurricanes is a big one! :eek:

Re: 32 Owners
 

Just got my renewel, went from $1300 to 900, no change in coverage. I live on high ground -1.6' below sea level.

Re: 32 Owners
 

red thunder - who with?

Re: 32 Owners
 

Lots of other questions to ask, with who, what coverage, what other underlying coverages, what deductibles and on and on.

Re: 32 Owners
 

2000 Dominator with Progressive thru Worldwide
Liability 500K
Uninsured 500K
Medical 5K
Comprehensive 1K deductible
Collision 1K deductible
Wreckage removal,marine electronics/trailer 500/250 ded
Emergency towing $300
Costal Nav 75 Nautical Miles
Roadside assistance
No lay up

Re: 32 Owners
 

Shawn,
Check with John Patterson on Broad Street Rd. I have mine insured through him and have sent a few others his way.

32 SS vs MCOB SS
 

Hi Guys,
Looking for a little input. Looking at upgrading from my 26 Powerquest to a 32 SS sunsation. The question is I'm not sure if I want a SS or MCOB. Any suggestions.

It really depends on you boating habits. I can confidently say that no matter which model you choose, you will not be disappointed......

I just ordered a new SS closed - ETA end of March!

Definitely call Bob Luellen at WWM. He has a very good relationship with Progressive's marine underwriting department.

Gizmo, sent you a PM.

Got kids? Boat inland? Don't overnight very much if at all? Nothing wrong with a mid-cabin. Negatives would be more vinyl/hardware exposed to the elements needing care-taking, and prone to deterioration. Passengers can't really ride up front on a choppy day, it would chip their teeth creating a scramble aft (I still remember my small bow-rider days). I think the boat ia tad heavier due to the extra glass insert etc. though I'm not 100% sure.

Those would be the main "negatives" I guess in my book when considering the MCOB version.

MCOB is my favorite boat. We have 2 children who love riding up front but have realized the adults end up fighting over who gets to sit up there also. We always boat with a lot of people and the MCOB is great for that.

I had a blast riding up front when Joe was driving. But obviously he did not like riding up front when I was driving!:evilb: