Boat Insurance ??

At least in my part of the country it will be more then noticeable. I can tell you sadly for any insurer it really has to do with the claims people in your area. Get a good appraiser or adjuster claim goes reasonably good, get a bad one and hang on. After 25 years of dealing daily with them I can tell you it really has to do with the people on the ground….unless the company has found a way to really micro manage them… I just had a SF claim….paid on the quote no questions asked. I was back on the water 24 hours after incident…Did not lose a days fishing….. Make your choice wisely..Ask some local collision and boat shops that is the best place to start…See how each of these companies are when dealing with the claims…that is when it will count.

I feel it is important to have a local person you know/trust to represent you. Im an agent with American Family, which makes me more bias in that direction. There are a lot of good companies, and lots of times unhappy claims situations are due to mis-communications. There isnt any policy out there that covers everything (no such thing as “full” coverage). But, if you have someone you know or trust that has a good reputation and has experience, you are going to be better off come claim time. My job is to help my clients within the companys guidelines. But, Ive gone to bat when needed if I felt they were right. Dont think youll get that from an internet company. Again, have a local rep to help you! Ben

I am with 1rudebee my wife is an agent with Shelter here in La. I had State Farm before we met and was paying what was probably someones house note for insurance on all of my toys and vehicles and house. I too never had a claim. But when I switched, we customized my policies to fit my life style and needs to the best of our ability. You cant do any more than that not to mention all of the money we have been saving. I had more money than I knew what to do with at the time with all of the savings. I will say that the more you give your new agent when you get one the more you will save. Meaning house, car, boat, buisness, lake house ect. life!!! Good luck and I hope that you save a whole bunch of money.

I know someone who uses SafeCo, and he loves them. I will be using them when I pick up my Cougar next month.

I have a friend that went with World Wide. He saved over $100/year and got almost triple the coverage. Also pays a lower deductible each year until reaches $0 in “like” 4 years. I will be switching after this year. I hear hes a great person to talk to; very informative. Especially conscious of the tournament angler. Check out on BBC.