What do you pay for boat insurance?

  • Doug Bonwell
    Cedar Falls IA
    Posts: 887
    #1273433

    I have a 07 Ranger 619 and pay $408 a year with a $1000 deductable. Seems high, what about you?

    drewsdad
    Crosby, MN
    Posts: 3138
    #988126

    I paid $200.00 a year for My Lund Mr Pike 17. That would probably cost half what your boat costs. So pretty similiar I would guess.

    dd

    big_g
    Isle, MN
    Posts: 22526
    #988128

    $148…..

    cpetey
    Onalaska, Wi
    Posts: 1193
    #988129

    $152.00. Boat/motor/trailer. 18.5 ft. Tracker.

    gonecribbin
    reads landing MN
    Posts: 517
    #988138

    $480yr/$500 deductable… Unfortunately im doing a claim now and I couldnt be happier with how helpful and cooperative the insurance company has been.
    Boat is still getting fixed and they have already sent check
    I will post details after its all taken care of…
    Worldwide Marine has lived up to the hype so far in my eyes….

    Pete Bauer
    Stillwater, MN
    Posts: 2599
    #988144

    $250 00′ Ranger 620

    illiniwalli
    WC Illinois
    Posts: 878
    #988152

    obviously, depends on what your rig is worth.
    my ins. was 150/yr on 01 tracker targa 17/90 4strk merc
    after trade … 200/yr 2010 alumacraft nav 165 sport/90 4strk merc, with 250 deductible.
    again from mr. obvious … higher deductible = lower rate and vice versa.

    katmando
    Ramsey,MN pool 2, St.croix river
    Posts: 691
    #988167

    150$ for a Lund tyee 17ft

    walleyejoe
    Litchfield, MN
    Posts: 463
    #988170

    $153 per year which includes $10,000 coverage on my boat with a $500 deductable and $10,000 on personal property with a deductable of $100. I have made 2 claims in 2 years and both times have had my check within 48 hours…Very happy with my guy

    t-ellis
    Colorado Springs, CO
    Posts: 1316
    #988175

    On a 2008 Ranger 621 mine is $518 annually ($500 disappearing deductible) for $55,000 agreed value replacement coverage, $10,000 equipment coverage, on water towing, $1,000 pet insurance included. With the disappearing deductible its currently at $150 after 3 years of coverage.

    Mocha
    Park Rapids
    Posts: 1452
    #988178

    2009 Lund ProGuide, 90hp Yamaha, two electrics, two HDS units. I have full replacement policy at a stated value of 35k. $187 per year with $500 deductible Progressive Insurance.

    big_g
    Isle, MN
    Posts: 22526
    #988186

    I would say $200/yr with a $500-$1000 deductible sounds about right. Anything more, I feel you are paying too much. Lets face it, boats are gonna run $5000-$60,000 depending… liabilty will run $100K-$500K depending… that is what you should be paying for, more or less.

    Jesse Krook
    Y.M.H.
    Posts: 6403
    #988214

    $86 a year Boat ’97 Alumacraft 170, motor ’97 60hp, trailer ’97

    Brian Klawitter
    Keymaster
    Minnesota/Wisconsin Mississippi River
    Posts: 59992
    #988220

    Justin from Woods and Water is likely fishing…but he’s my guy.

    Each year I’m accident/claim free my deductible drops by $100.00. I’m thinking my deductible is 0 next year.

    hairjig
    Cudahy, Wis.
    Posts: 937
    #988247

    BK , I really like the idea of the declining deductible…

    cat dude
    Arlington, MN
    Posts: 1389
    #988250

    2007 Lund Classic, 50hp Merc 4 stroke and everything else.

    I pay $140.00 annually.

    That includes replacement cost for all contents which really helps if you have a loss.

    I pay a $100.00 deductible.

    I have approx $10,000 on contents which includes my 2 Bird SI units, all tackle and rods and anything elkse in the boat.

    I just had a theft or approx 270 crankbaits and everything was replaced at no cost to me.

    Another suggestion to all is that oif you have alot of tackle, rods, reels etc, keep a list of exactly what is owned, models, reciepts and so on and the insurance asked me to prove what I owned.

    I had all my photo’s, reciepts and so on so I could prove exactly what I owned which really helped or I believe I would have had some issues with my claim.

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