Lowest Cost, Most Coverage, or somewhere in-between.
I have State Farm and really couldn't tell you how "good" it is. I've never made a claim against it. I do feel that my rate is both fair and competitive. I have used my insurance on auto claims (also State Farm) and have been extremely satisfied. One call to my agent is all the work I ever need do. My agent takes care of everything.
I have the same answer as smclear, except with seaworthy insurance via geico. I can pay online. I have never spoken to anyone, completely over the internet. As far as claim service, lets hope I never have to find out.
sigpic1999 Chris Craft 200 Bowrider "Cirrhosis of the River II"
1968 Aluminum 14' DuraCraft w/ 25R73 Johnson
I have State Farm. I tore up a prop last year. I had no issues with filing/collecting on the claim. My rate is $26.30/month for full coverage.
I am with them too for the past 30 years. Had the same agent for most of that till she retired. Now there is a wet behind the ears college boy and all he wants to do is sell life insurance and investments.....customer service stinks. Looks like you had a good adjuster. I have had (the one that retired) my agent discuss my claim with the adjuster to get them to understand that what they teach them in adjuster's school doesn't always work in the real world, especially when you have been a customer for an extended period and have few claims and when you do they are small.
If you are new to boating or have a new boat, a knowledgeable friend could show you how to operate your boat and save you a lot of grief, maybe some money, and maybe your life.
I've bundled mine, I checked around with other companys and found I got a better rate/price espically with an older boat. Of course, I have my auto's,home and motorhome so you can negotiate a better deal.
I had State Farm on my 21 ft 89 Bow rider but when I bought my 24 ft pontoon boat I got such a run around that I bought insurance from BoatUs. State farm says that they have full coverage but Boat US has one better.They cover all damage in a water accident or spill up to $700,000. State farm doesn't even offer this type of insurance.I used to be able to call my State Farm agent and Say that I bought a boat and over the phone it was covered. This last time I was told to take a picture of it and show it to the agent Then he'd cover it. I was 125 miles away when this happened.I called Boat US and spoke to there agent on the phone and he covered it then. The cost between both companies is about the same .
I found it is hard to beat Boat US. Even if they are a few bucks more (which they aren't) it's worth it for accessibility to people with brains.
Got it bundled with boat towing and trailer road-side assistance and I love their magazine (bonus. Haha).
Some of the most important things about boat insurance are the details: Oh, let's see here, Mr. Boater... you say your 26' Fountain CC sunk at the dock. Capsized? Oh... well, let me refer you to the language that says we ain't responsible, because we don't like the condition of your thru-hull fittings. Our surveyor/adjuster was there when she was floated upright after sinking. See here on page 345454567968? Yeah... you need to ensure they are in good shape at all times. So, your neglected scuppers failed and your boat sunk because you, sir, are a slacker. How does zero dollars sound as a settlement? Oh, and your lien holder has been notified. You have no boat to back the loan, so now your loan is due in full to your bank.<---true story.