Montypals: I do not have boat insurance. In my state the auto insurance covers from the front of the car to the back of the trailer for liability. I don't feel a need to insure the boat itself, since it is worth about $5500 or so including the trailer? So, why have boat insurance? Daniel M15 #208 Kestrel
Without insurance you have no coverage for third party liability. Ie for damage to other people's property and/or persons from an accident when the boat is in the water... Keith Keith R. Martin, P.Eng. Burnaby, BC, Canada Serenity M17, Hull #353 On Aug 17, 2015 1:40 PM, "Daniel Rich" <danielgrich@gmail.com> wrote:
Montypals:
I do not have boat insurance. In my state the auto insurance covers from the front of the car to the back of the trailer for liability. I don't feel a need to insure the boat itself, since it is worth about $5500 or so including the trailer? So, why have boat insurance?
Daniel M15 #208 Kestrel
another issue is i doubt home owners will cover the cleanup cost if you cause an oil/gas spill (this is part of BoatUS insurance). -- :: Dave Scobie :: former M15 owner - www.freewebs.com/m15-named-scred :: M17 #375 SWEET PEA - www.m17-375.webs.com
On Aug 17, 2015 1:40 PM, "Daniel Rich" <danielgrich@gmail.com> wrote:
Montypals:
I do not have boat insurance. In my state the auto insurance covers from the front of the car to the back of the trailer for liability. I don't feel a need to insure the boat itself, since it is worth about $5500 or so including the trailer? So, why have boat insurance?
Daniel M15 #208 Kestrel
Well, given that my Honda outboard has about 1 pint of oil, and about 3 pints of gasoline when full, would this really be much of an issue? Daniel On 8/17/2015 1:44 PM, Dave Scobie wrote:
another issue is i doubt home owners will cover the cleanup cost if you cause an oil/gas spill (this is part of BoatUS insurance).
oh yes!!! if the local/state/fed finds you caused a spill you get hit with fine(s), cost to contain, etc etc etc. if your boat sinks, or gets hit, the local/state/fed will bring in staff and put an containment boom around the boat. you get charged for this. doesn't take a lot of oil/gas to create a lot of problems (most obvious is the oily sheen on the water). -- :: Dave Scobie :: former M15 owner - www.freewebs.com/m15-named-scred :: M17 #375 SWEET PEA - www.m17-375.webs.com On Mon, Aug 17, 2015 at 2:46 PM, Daniel Rich <danielgrich@gmail.com> wrote:
Well, given that my Honda outboard has about 1 pint of oil, and about 3 pints of gasoline when full, would this really be much of an issue?
Daniel
On 8/17/2015 1:44 PM, Dave Scobie wrote:
another issue is i doubt home owners will cover the cleanup cost if you cause an oil/gas spill (this is part of BoatUS insurance).
Hmm. Perhaps I will look into it. D On 8/17/2015 1:55 PM, Dave Scobie wrote:
oh yes!!! if the local/state/fed finds you caused a spill you get hit with fine(s), cost to contain, etc etc etc. if your boat sinks, or gets hit, the local/state/fed will bring in staff and put an containment boom around the boat. you get charged for this. doesn't take a lot of oil/gas to create a lot of problems (most obvious is the oily sheen on the water).
Back to the overall question - just call your insurance person for your other policies and ask about boat insurance options. I did that...after learning that when towing it's covered by my car policy, I asked about damage/loss/etc. for the boat itself and he was able to tell me right away that they (Allstate, in Oregon, YMMV by state and company) don't insure boats that old (1973 in the case of my current one). If your agent knows their stuff they should be able to give you the basic options/conditions in a quick phone call. cheers, John S. On 08/17/2015 02:00 PM, Daniel Rich wrote:
Hmm. Perhaps I will look into it.
D
On 8/17/2015 1:55 PM, Dave Scobie wrote:
oh yes!!! if the local/state/fed finds you caused a spill you get hit with fine(s), cost to contain, etc etc etc. if your boat sinks, or gets hit, the local/state/fed will bring in staff and put an containment boom around the boat. you get charged for this. doesn't take a lot of oil/gas to create a lot of problems (most obvious is the oily sheen on the water).
-- John Schinnerer - M.A., Whole Systems Design -------------------------------------------- - Eco-Living - Whole Systems Design Services People - Place - Learning - Integration john@eco-living.net - 510.982.1334 http://eco-living.net http://sociocracyconsulting.com
Good advice. I will call them. D On 8/17/2015 3:04 PM, John Schinnerer wrote:
Back to the overall question - just call your insurance person for your other policies and ask about boat insurance options.
I did that...after learning that when towing it's covered by my car policy, I asked about damage/loss/etc. for the boat itself and he was able to tell me right away that they (Allstate, in Oregon, YMMV by state and company) don't insure boats that old (1973 in the case of my current one). If your agent knows their stuff they should be able to give you the basic options/conditions in a quick phone call.
cheers, John S.
On 08/17/2015 02:00 PM, Daniel Rich wrote:
Hmm. Perhaps I will look into it.
D
On 8/17/2015 1:55 PM, Dave Scobie wrote:
oh yes!!! if the local/state/fed finds you caused a spill you get hit with fine(s), cost to contain, etc etc etc. if your boat sinks, or gets hit, the local/state/fed will bring in staff and put an containment boom around the boat. you get charged for this. doesn't take a lot of oil/gas to create a lot of problems (most obvious is the oily sheen on the water).
Every marina I have stayed in required proof of liability insurance before they will rent you a slip. Something to think about if you do that type of thing. Jim M-17 #603 Grace On Mon, Aug 17, 2015 at 3:13 PM, Daniel Rich <danielgrich@gmail.com> wrote:
Good advice. I will call them.
D
On 8/17/2015 3:04 PM, John Schinnerer wrote:
Back to the overall question - just call your insurance person for your other policies and ask about boat insurance options.
I did that...after learning that when towing it's covered by my car policy, I asked about damage/loss/etc. for the boat itself and he was able to tell me right away that they (Allstate, in Oregon, YMMV by state and company) don't insure boats that old (1973 in the case of my current one). If your agent knows their stuff they should be able to give you the basic options/conditions in a quick phone call.
cheers, John S.
On 08/17/2015 02:00 PM, Daniel Rich wrote:
Hmm. Perhaps I will look into it.
D
On 8/17/2015 1:55 PM, Dave Scobie wrote:
oh yes!!! if the local/state/fed finds you caused a spill you get hit with fine(s), cost to contain, etc etc etc. if your boat sinks, or gets hit, the local/state/fed will bring in staff and put an containment boom around the boat. you get charged for this. doesn't take a lot of oil/gas to create a lot of problems (most obvious is the oily sheen on the water).
Ah. But I do have a personal liability umbrella policy. Perhaps I need to check with my insurance agent about that. Daniel On 8/17/2015 1:43 PM, Keith R. Martin wrote:
Without insurance you have no coverage for third party liability. Ie for damage to other people's property and/or persons from an accident when the boat is in the water...
Keith
Keith R. Martin, P.Eng. Burnaby, BC, Canada Serenity M17, Hull #353 On Aug 17, 2015 1:40 PM, "Daniel Rich" <danielgrich@gmail.com> wrote:
Montypals:
I do not have boat insurance. In my state the auto insurance covers from the front of the car to the back of the trailer for liability. I don't feel a need to insure the boat itself, since it is worth about $5500 or so including the trailer? So, why have boat insurance?
Daniel M15 #208 Kestrel
participants (5)
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Daniel Rich -
Dave Scobie -
Jim Ellsworth -
John Schinnerer -
Keith R. Martin