Last time I was down that way in the Laguna (Corpus, South of Marker 37. Did I pull any of you'all of the hump? I lost
count, only one sailboat north of Marker 37) a few years ago, we decided to run up to the river and head
inland. The storm moved toward the river and we didn't make it in time. We ended up pulling into a fuel
dock that was closed and vacated. Turned out we owed the dock for 650' of dockage at a per foot per day rate that cost a bundle of money
(thousands per day) and we ran right into the storm.
We likely would have been better off to stay spudded down on the side of 'the ditch'.
It's a crap shoot either way you go in my opinion.
This is what Boat US has quoted me. (What determines the amount, and how can you get it down some? Certifications, etc..)
Another thing is the area of use. There does not seem to be anything about sailing everywhere so maybe it's useless anyway.
Cruising Area : U.S. Gulf Coastal Waters
SUMMARY OF COVERAGES
Boat and Boating Equipment
Value) : $50,000.00
Boat and Boating Equipment
Deductible : $1,320.00
Storm Deductible : $2,500.00
Boating Liability : $100,000.00
and Other Spill Liability : $800,000.00
Payments : $1,000.00
Boat Trailer : $.00
Trailer Deductible : $.00
Personal Effects : $.00
Personal Effects Deductible : $.00
Uninsured Boater Protection-Limit each Accident
TOTAL ANNUAL PREMIUM : $1,947.00
STATE SURCHARGE : $.00
BOAT U.S. MEMBERSHIP
(Required if not a Member) : $19.00
TOTAL ANNUAL COST : $1,966.00
The following applies to boats located in the states of TX, LA, MS, AL, FL, GA, NC, SC, or VA: In the event of any loss caused directly or indirectly by a storm named by National Oceanic & Atmospheric Administration(NOAA), the deductible subtracted from each loss, whether partial or total loss, will be $1,000, or 5% of the amount shown for Boat & Boating Equipment whichever shall be the greatest.
An acceptable condition and value survey
is required before coverage is effective. Coverage may change upon review of the report.
identification number is required.
The coverage quoted is the maximum we can offer on your boat.
Further information regarding special conditions and requirements will be mailed with a formal quotation.
in BoatU.S., the nation's largest association of recreational boaters with over 25 cost-saving member
benefits and services (including $50 in towing services) is required with your policy. Our annual dues of $19 are in addition to your quote.
RECOMMENDED: BoatU.S. offers higher option Towing Services which cover you up to the specified level in the event you become stranded on the water. The average cost of a tow is approx. $325 and a soft ungrounding, $525.
For $150 per incident, add $18
For $350 per incident, add $52
For $500 per incident, add $70
For Unlimited Towing, add $120
If I get 100,000 I'm wondering if it would be a better value or would it double.
Note that it was stated for boats up to 34'. I entered the boat as a CSY 33
It may be a whole new deal over 34' they will not give instant quotes for vessels over 34'.