Insurance

mpulsev10 · Post by **mpulsev10** » Wed Jun 10, 2009 8:09 pm

Who do you insure your trojan through? I have a 79 36' and i was wondering if i needed to add it to my homeowners policy, auto policy or would need a new specific policy for the boat? Id also like to know what you guys are paying monthly.

thanks.

k9th · Post by **k9th** » Wed Jun 10, 2009 8:59 pm

I have a '79 36' Tri-cabin and it is insured with State Farm along with all of my other policies. I am not sure but I think I am paying around $400/year with a total replacement value of $45,000.00

1967 seavoyager · Post by **1967 seavoyager** » Wed Jun 10, 2009 10:44 pm

Try Hagerty Insurance. They do classic boats, even tupperware. hagerty.com

gjrylands · Post by **gjrylands** » Wed Jun 10, 2009 10:51 pm

I have a '79 F36 Trojan that I insure through Boat U.S.
Agreed Value $45,000
Boating Liability $500,000
Fuel and Other Spill Liability $800,000
Medical Payments/ person each accident $1,000
Personal Effects $3,000
Uninsured Boater $500,000

Cost $606.00 per year.

If you get insurance through a company not specializing in boat insurance make sure what your coverage is. Make sure you are covered for fuel spills.

prowlersfish · Post by **prowlersfish** » Wed Jun 10, 2009 11:07 pm

Mine around 850.00 with nationwide Rates vary a lot due to where your at
if I was in Fla it would be 3 times that . inland it would be half . I am dealing with a claim right now I will let you know how the do.

sehord · Post by **sehord** » Wed Jun 10, 2009 11:32 pm

Do you know if your insurance covers hurricane damage? (yep, I live in Sunny FL!)

LandVF36 · Post by **LandVF36** » Wed Jun 10, 2009 11:56 pm

73 F36
Declared Value $40K
American Family
$1MM liability umbrella
$480/yr
In MN, so inland of course and its only in the water 6 mo and used about 5 of those. Perhaps that explains the rates being lower than FL...

sehord · Post by **sehord** » Thu Jun 11, 2009 12:07 am

my neighbor has a 30' pontoon boat with a full enclosed house on it, A/C head the works.... Three weeks ago he backed out off his lift and the middle pontoon that the outboard attaches to ripped off the deck and it and the engine went in the salt. The cause was internal galvanized bolts against aluminum angle brackets caused galvanic corrosion. PROGRESSIVE denied hiis claim saying it was a maintanance issue, even though the bolts are only visible if the wooden dekcing was removed (or the motor falls off, as we discovered.) Read the fine print on your policy. I keep my 33 on a lift at my house, home owners made me sign a no coverage adendum for it and a lot of insurance companies will not cover if it is hurricane related.

prowlersfish · Post by **prowlersfish** » Thu Jun 11, 2009 12:26 am

I am covered for hurricane damage and 12 months use

mpulsev10 · Post by **mpulsev10** » Thu Jun 11, 2009 6:45 pm

prowlersfish wrote:I am covered for hurricane damage and 12 months use

How does that thing do on fuel economy with the cummins engines? My 79 F36 has twin carburated marine power 454's, i think there 1990 models. havent had in the water yet, but i dont think it will be very good on fuel.

sehord · Post by **sehord** » Thu Jun 11, 2009 8:39 pm

I tried boat US today for my 10 meter sedan. They can only give liability since I do not have it insured now. After paying $430/ year for 12 months then they can offer hull protection (after I pay for a full appraisal for value) for $1580/year Florida