Re: Who Has the Best Boat Insurance?
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.