Boat Insurance

The FW and I have been nosing around for a new float and I wanted to see what the new boat insurance would run. As far as I knew it could be a couple K’s per year.

I checked with State Farm where I have multiple vehicles and home owners insurance. Since this boat wouldn’t be used for guiding, I don’t need to worry about commercial insurance and that put State Farm back in the picture.

Then I checked with Justin at Woods and Waters. Same boat, same deductibles…everything.
$50. less per year.

Spring is coming, might want to save a few bucks by checking his prices out. Buy you Favorite Significant Other something for Valentines Day with the savings.

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Disclaimer: No benefit to me comes from this post. Hell he won’t even take me fishing.

I had the same issue last spring when I bought my new ride. Bob at Worldwide Marine Insurance got me a lot better plan for half the price of my current insurance agent. He specializes in insurance for boats. http://worldwidemarineins.com/

I have Boat US

Another Water & Woods guy. I always like working with members here if i can.

Thanks for the reccomendations guys! I always enjoy working with fellow IDO members as well.

And BK now that your fellow a Skeeter owner, I suppose I can let ya tag along one day with me this Spring .

BK what model Skeeter? How many dozens of cookies did it take to get Dean to throw you a good deal?

Justin Schneider (Woods & Water Insurance) wrote:

Thanks for the reccomendations guys! I always enjoy working with fellow IDO members as well.

And BK now that your fellow a Skeeter owner, I suppose I can let ya tag along one day with me this Spring .

Oh no, no… I just used that for pricing reasons. There are three boats on the FW’s radar.

‘suppose this rules out the tag along…

Nah you can still tag along, as long as you bring that spiffy underwater camera along with you!

But since you seem to be headed in the direction of a die hard walleye fisherman, I highly suggest a boat equipped with a react keel

Justin Schneider (Woods & Water Insurance) wrote:

But since you seem to be headed in the direction of a die hard walleye fisherman,

I have a bar of soap with your name on it.

I have progressive on a 99 Lund and pay around $150 a year with no deductible. I’m wondering how this compares to everyone else? I think it’s a good price, but not sure?

John Timm wrote:

I have progressive on a 99 Lund and pay around $150 a year with no deductible. I’m wondering how this compares to everyone else? I think it’s a good price, but not sure?

What does that $150. cover? Replacement? Medical? Theft of gear in and out of your boat? Hard to tell without the full story.

$150. was what I was paying State Farm prior to the commercial insurance I needed once I started guiding 10 or so years ago. I don’t recall that that covered though.

I have replacement coverage on my boat from progressive. Towing, medical, etc. 250 decreasing collision deductible, 100 comprehensive deductible. $5000 tackle coverage. Cost is $220. Had a claim last year cost me 100 bucks.

Looks like I have $5000 in fishing equipment coverage. Seems like a good price I’m paying. I will probably never have a claim….. don’t use it much!