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Thread: Who insures your Baja???

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  1. #1
    Charter Member #11 IrishTornado's Avatar
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    Who insures your Baja???

    I was with World Wide and got a quote from Allstate for half what I was paying with Worldwide. I'm now with Allstate.

  2. #2
    Charter Member #13
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    Re: Who insures your Baja???

    I guess i need to check Allstate since house and 3 vehicles are with them. After being quoted a hell of a great rate while purchasing boat, ended up going with Foremost.

  3. #3
    Charter Member #5 MRBAJA's Avatar
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    Re: Who insures your Baja???

    I got a random call from NBOA yesterday. I talked to the lady back in Aug/Sept when I almost bought a 25...told her I was going to hold off till Spring. Well I forgot bout it but she called yesterday.....shot me ~$650 for HO's and 500K! Told her to check with underwriting and let me know...that's where I keep getting shot down.

    Currently mine is with Foremost.... $1022/yr.... cheapest I could get anywhere......... Think I need more KY...

  4. #4
    Charter Member #13
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    Re: Who insures your Baja???

    Here was my "too good to be true" quote that i received and at the last minute jumped to over $1000/yr:


    Vessel, Engine(s) and Equipment 50,000 500 ded.
    Tender Value 0 0
    Tender Outboard 0
    Trailer 3,000 250 ded.
    Personal Effects 10,000 250 ded,
    Liability 300,000
    LS&HW 300,000
    Uninsured Boat Owners 300,000
    Fuel Spill Liability See Note Below
    Medical Payments 25,000
    Towing and Emergency Services 1,500


    Total Annual Premium $ 466.00
    Alternate Deductibles and Premiums
    Deductible Premium
    --------------------------------
    500.00 466.00
    1,000.00 419.00
    1,500.00 403.00

  5. #5
    Charter Member #6 Anchorman's Avatar
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    Re: Who insures your Baja???

    Quote Originally Posted by Firehill View Post
    Here was my "too good to be true" quote that i received and at the last minute jumped to over $1000/yr:


    Vessel, Engine(s) and Equipment 50,000 500 ded.
    Tender Value 0 0
    Tender Outboard 0
    Trailer 3,000 250 ded.
    Personal Effects 10,000 250 ded,
    Liability 300,000
    LS&HW 300,000
    Uninsured Boat Owners 300,000
    Fuel Spill Liability See Note Below
    Medical Payments 25,000
    Towing and Emergency Services 1,500


    Total Annual Premium $ 466.00
    Alternate Deductibles and Premiums
    Deductible Premium
    --------------------------------
    500.00 466.00
    1,000.00 419.00
    1,500.00 403.00
    Remember to cover yourself if your worth anything like retirement, house, car, cash in the bank, stocks, bonds 401K, you need a policy to cover that stuff. Any boating accident your in someone is going to point at neglect. That is the hardest thing to prove you weren't especially if you have had a drink or two. Remember the higher the liability coverage the harder your insurance will fight for you. As far as what is covered as far as the boat is almost secondary in my opinion. I have my coverage with WakeZone they were cheapest on my boat.
    Because without beer things just dont seem to go as well

  6. #6
    Charter Member #23
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    Re: Who insures your Baja???

    I've got Progressive Direct and when I bought the boat they were the cheapest by a long shot. Over the past couple years I've checked to see if I could get it cheaper but being in the grate state of LA everyone is still higher than Progressive......I think it's right around $800/yr.

  7. #7
    Charter Member #6 Anchorman's Avatar
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    Re: Who insures your Baja???

    Quote Originally Posted by DEEPSOUTH View Post
    I've got Progressive Direct and when I bought the boat they were the cheapest by a long shot. Over the past couple years I've checked to see if I could get it cheaper but being in the grate state of LA everyone is still higher than Progressive......I think it's right around $800/yr.
    I started with Progressive on my 33 and changed after 1 year. They were not competitive with Wake Zone.
    Because without beer things just dont seem to go as well

  8. #8
    Charter Member #30
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    Re: Who insures your Baja???

    I went with Stacy at Wake Zone. Great Prices but more importantly is the coverage.

  9. #9
    Charter Member #23
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    Re: Who insures your Baja???

    Quote Originally Posted by Anchorman View Post
    I started with Progressive on my 33 and changed after 1 year. They were not competitive with Wake Zone.
    I tried Stacy year before last and she was a good bit higher than they are......so far no one has been cheaper.

  10. #10
    Charter Member #6 Anchorman's Avatar
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    Re: Who insures your Baja???

    Quote Originally Posted by DEEPSOUTH View Post
    I tried Stacy year before last and she was a good bit higher than they are......so far no one has been cheaper.
    Josh, you may want to try her again. If I remember right she has a better capacity to quote the riskier states, like FL LA TX MS
    Because without beer things just dont seem to go as well

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