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Old 08-06-2018, 12:24   #1
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Join Date: Oct 2017
Location: near Bainbridge Island, Wa
Boat: Catalina S320
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Boat Insurance - YES, NO, Maybe

Narrowing down on buying my first boat, probably 30 - 38 feet, cruiser, used, 30k-40k price range, 1980-1999.

Will be overnight and fun sailing in PNW for x-number of years.

Should I avoid comprehensive insurance?

I will probably get a certain amount of Liability (how much?)

Anyone want to jump in on which companies might be the best, and which ones to avoid all together? thanks
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Old 08-06-2018, 13:33   #2
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Join Date: May 2008
Location: cruising SW Pacific
Boat: Jon Sayer 1-off 46 ft fract rig sloop strip plank in W Red Cedar
Posts: 19,914
Re: Boat Insurance - YES, NO, Maybe

The question you have to answer is what happens to you and your life if the boat is lost?

If the fiscal loss would be devastating then you need the coverage. If you think your life would go on pretty much undisturbed, or at least be satisfactory to you, then you don't.

We have never had comprehensive insurance on our cruising boats but do carry third party coverage. We could survive boat loss, but not the kind of claim that could result from environmental damage or long term medical care for an injured person.

Jim and Ann s/v Insatiable II, still hanging out in Port Cygnet. Summer was nice... it was on a Tuesday... and now winter has descended upon Tasmania. Brrr.
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Old 08-06-2018, 15:07   #3
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Join Date: Jan 2018
Location: Illinois
Boat: Beneteau 423
Posts: 30
Re: Boat Insurance - YES, NO, Maybe

Also where you keep it may require insurance.
- Bill Fetter, s/v Turtle Chaser
- Divemaster/DSD - PADI/SDI
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