Who insures your Donzi?

[clayman]

Hey Guys,
About 5 years ago I dropped my insurance through Boat US. My lake was dry and my boat was high and dry on it's lift with no way to get it. So I asked for storage insurance and they said they don't offer that in Florida, So, I cancelled it. I just couldn't see, or afford paying $1200 a year for a boat I could not use. When I called back a year later, they quoted me something like $4500 a year, and said I couldn't make a claim for a year, because they had gotton so screwed with claims after the Hurricanes. Allstate and state farm told me they wouldn't cover it, to fast. I am getting a quote from Haggarty which insures my '68 Lincoln Continental. So I was curious what you guys are paying, and with who??? I have a clean driving record, no accidinets or tickets. (man what is wrong with me) 95% of its use is on my lake I live on in Florida. I've only put 114 hours on it in tens years since the restoration.
Thanks - James

Edit: If I remember It was a agreed value of $15k, I don't remember the liability coverage.

[Jraysray]

USAA and I pay no where near what you do.

[Uncle Fester]

Safeco - $500/year

[BUIZILLA]

Progressive on all 3 boats now...

Allstate just dropped the Criterion last month because they said as of July 1, 2011 they don't insure boats that old anymore, even with a good survey

so, because of that, I dropped EVERYTHING toy related with Allstate (2 motorcycles, 3 boats, motorhome, moto trailer) and changed it ALL to Progressive....

[Mckillop]

I di mine through Westmar Marine Insurance. Pretty impressed so far...

[BlakeSullivan]

I go through Foremost because they are the only one's I have found that will insure my 22c for and agreed value if total loss happens

[Kirbyvv]

AMICA, house, cars and boats. My X-18 is $350/yr, but I did need a survey for them to insure a 1978 boat. They did tell me that if I didn't have everything else insured through them that they would not have insured it.

[mrfixxall]

i pay 300.00 a year with american family ins..keep in mind that is for 6 months on and 6 months non boating season,,cant boat on ice

[Rumblefish]

Allstate Here. (California)

$485.00 per year for two boats (Quoted Value ...Donzi 22 @ 30k, Sea Ray 230 @ 15k)

[MOP]

$191 22C with Progressive, I am in the northeast the rates are lower than high usage states.

[smidgen too]

Progressive on all 3 boats now...

Allstate just dropped the Criterion last month because they said as of July 1, 2011 they don't insure boats that old anymore, even with a good survey

so, because of that, I dropped EVERYTHING toy related with Allstate (2 motorcycles, 3 boats, motorhome, moto trailer) and changed it ALL to Progressive....

I have always used Allstate on all my boats. They just covered my 1973 27' twin engine Magnum with out a survey. When my 1975 Donzi Doral is ready they will cover that one too.

[RickSE]

I have Progressive through USAA, $370/year for $50K. Before this I had ANPAC who was a little higher but would also insure a 70-75 MPH boat.

[silverghost]

I have also had problems with older "Classic" wooden boats & insurace.
Every old boat I ever tried to insure needed a survey first.
Be sure to get an "Agreed Value" policy on your old Donzis.
This will cover the boats true value ; as well as what money you actually have in it.
If you don't ~ In the event of damage, or a loss , they will only pay you peanuts based on the boat's supposed "Book Value" .
What's THEIR "Book Value" on a 40+ year old Donzi ?
According to their book only a few $100. !

[clayman]

When I got the original policy I had a survey done and we agreed with the $15k value. I enjoyed the survey process too, I learned a few things and he noticed a few things I overlooked.

[RPD]

my '76 16ob is $192.5 for liability only.... other than hurricanes, i just don't see enough risk to pay the higher rates for full coverage....

and beware of agreed value policies, some of them say they're agreed value but then have a trap door clause that gets them out .... some won't accept your stated value, even if you have all the receipts from a restoration (BoatUS, for example... and they say they're FOR boaters!!)