Spoke to an agent this morning Florida Insurance: Boat, Yacht, Motorcycle, RV, Motorhome, Marine, Auto
about boat insurance. He said Allstate and Progressive would not touch me for the bad combo of having a boat less than 10 years old, more than 30 feet and located in Florida
Also something about max $20K coverage for the 1979 vintage boat even if it was less than 30 or some such thing.
The agent was helpful however and he is going to contact several other companies to get me a quote. Had to e-mail him the most recent survey however (4 years old) and he said I needed a full "out-of-water" survey before I could get new insurance.
(Not a big deal around here, Ft. Lauderdale is full of boatyards
Since I purchased my boat in December 1998 I have had several different insurance companies.
THe first one was great, National Marine
Underwriters, they charged me $700.00 per year, then after 4 or 5 years they pumped it up to $2,100.00.
Switched to BoatUS then for a few hundred less. Had those guys for 2 years then switched to the "Power Squadron", they had a program for "safe boaters" and my premium went down to $1,200.00.
2 years and 3 hurricanes later they pulled out of Florida and I went back to BoatUS last year for $2,077.00.
Now my policy is up for renewal in February and I am looking around for deals...