Conference wahoo::fishing

    Yes, Yes and Yes!!!
    
    Boat insurance is a bargain!  I wouldn't dream of not having insurance.
    Even with my old boat, a 14' alumin w/ a 9.9hp it paid off big time.
    I hit a rock (or two, or three...) which caused it too leak a bit.  
    I collected and wound up repairing it for *substantially* less!!!
    
    Ask all of the people in here who have wiped out their lower units if
    they think insurance is worthwhile! 
    
    From what I've heard, many people don't think of using boat insurance
    even if they have it!  If you wipe out an expensive prop, that's an
    accident, collect!!!
    
    -donmac

    I'm with Don on this one!! Insurance on my boat is only $89 per year
    and that also covers fire and theft. I got into a wicked accident last
    year where my boat was damaged beyond repair and luckily for me Don had
    insurance!! The only thing is that I was towing my boat back from
    Florida at the time 8^)
    
    The way I figure it I spend more on fishing equipment each year so $89
    is real cheap for me just to make sure that I'm covered. 
    
    
    Bass-O-Matic
    

    	I've never carried insurance on my fresh water craft...a couple
    canoes and a 14' aluminum boat. I probably should have and if its
    really only $89 or so I think I will this year. (My son is itching
    to use the 14 footer this Summer.)
    	My salt water boat is well covered and it has paid off. As a
    matter of fact its the only insurance that ever has for me. I damaged
    my lower unit the first year and had an auxilliary motor stolen two
    years ago. After the second claim I had to find another insurance
    company (they hate to pay) but I had no problem doing so.
    	I wish the insurance on my big boat was a lot lower, I keep
    reducing the coverage to compensate for depreciation but it still
    costs about $450 per year. As I said before however, it has paid off.
    
    Paul

    
    re: .2
    
    Only $89 per year.  With what Ins company.  For what converage?
    
    I'm with Metpay and my insurance is 300+ per year for a 1985 22' angler
    with a new 1989 150hp engine.  Should I shop around?
    
    Gordon (in shock)
    
    Just thing of the all the stuff I could buy with the extra $$
    

    >>Only $89 per year.  With what Ins company.  For what converage?
    
    It's more of a function of what the boat is worth and how/where it will
    be used than the coverage.
    
    Martial's boat is a trailered  14' sea nymph fishin machine w/ 20hp 
    merc.  Your 22 footer w/ a 150hp is obviously worth a few more bucks
    and probably sits in the water most of the time. 
    
    I think I'm paying around $120 for 16' Lowe alum bass boat w/40hp
    (insured for $8.7K list).
    
    -donmac
    

    
    My 14' w/25hp Merc and trailer are cover for $6500 or Replacement costs
    if higher along with all the medical stuff for $67 a year. My policy is
    with Allstate and my agent was out of Nashua, N.H. right by the old DEC
    plant (NUO) next to Route 3.
    
                                                          Guy
    

    I can't believe that nobody has mentioned anything about Liability
    coverage.  That's the biggest reason I have it on my boat.  If you hit
    a wave or rough water and someone gets thrown from your boat and gets
    hurt, and you don't have any coverage, bye bye boat, car, house, ect,
    ect.
    
    	Some tournaments require that the boat owners have liability
    coverage and you have to have the policy there to prove it.  When
    somebody gets hurt or god forbid killed because of a boating or any 
    other mishap, the dollars signs start lighting up in there eyes or
    their relatives eyes.  You might not think that your best friend in the 
    world would ever sue you, but if he gets hurt bad enough things change.
    I've seen this happen many times.  Big money brings out the worst in
    most people.
    
    						Madd Matt

    re: .4  I have State Farm Insurance out of Nashua. I have found them to
    be one of the cheapest around! Forget Metpay...because all you do with
    them is just PAY AND PAY AND...The only good thing about them is that
    you can have the PAYments deducted from your PAYcheck.(just my opinion)
    
    As Don mention I only have a 14' Seanymph with a 20 hp Merc, pricing
    would vary depending on what you have. 
    
    Bass-O-Matic
    

    I had my boat insurance through a fishing buddy; Aetna.  He has my
    house, car, boat etc.  I was paying around $200 and some odd change
    on a $10K boat.  Lot's of liability insurance etc.
    
    Then one day my agent called *me* and told me we were getting ripped
    off.  (his boat had been insured by Aetna as well)  He shopped around
    to check on the competitiveness of the rates he was offering customers 
    and found that Allstate has incredibly low rates.  He switched his policy 
    to Allstate and he had the Allstate rep send me an application.  My 
    insurance is down to like $85 or something.  The difference was phenominal 
    and I have the same coverage.  
    
    /brett

re: <<< Note 1551.9 by DECWET::HELSEL "Legitimate sporting purpose" >>>
			-< Allstate for us >-

------------------------------------------------------------------
Last year I remember calling Allstate to insure my boat.

I think they told me that they no longer take new MA customers or
don't take new boat customers any longer ...or you needed to 
insure your house with them. 

Whatever the problem was with Allstate, I ended up insuring 
with Prudential, they were a lot cheaper than Metpay and they didn't 
lay down a lot of conditions for coverage.

If Allstate now insures MA boat owners that don't have a homeowners
policy with them please let us know. I think they might be cheaper
than Prudential.

    Well I just insured my boat for $75.00 for the year at replacement
    value of $6,000.00 through Allstate.  This includes $300,000 Liability,
    $1,000 med per person and $250.00 deductable.  The boat is a 79 Terri
    Bass Boss w/25hp Evinrud and a trailer.  I will feel better driving on
    the waters this year.
    
    Russ

re:                               <<< Note 1551.11 by MTADMS::DUPRE "bust a move for the fish'n hole" >>>
                                                  -< Coverage for $75.00 a year! >-


Are you a Massacusetts resident?

Check out VICKI::BOATS for additional info (Kit SELECT, KP7 to added it)

To paraphrase Martial, "They don't call it MetPAY for nuttin'".

Tim

    ref .12  I live and work in N.H.
    
    Russ

    	I just purchased a 15' hydra bass boat which came with a 90 hp
    motor.  My insurance company, Commerce, will not insure the boat.
    	They say it goes too fast!  I was told that I will have several
    problems insuring it as it is too small for the motor.  The boat plate
    says 115 hp max.  They still won't help me.  I was told I will have to
    go through Loyds of London!  I can't believe this.  My agent also told
    me to sell the boat!  Nice!
    
    	Any help would be great!
    
    	Rodney

    Rod, Why not trot over to Metpay?  That's where I have mine insured
    (although I don't have the HP you do.).  I doubt they'd refuse you.
    
    Pete
    

    I've got a 15ft Starcraft with an 88hp outboard on it. The boat 
    is rated for a 90hp. Met Pay insured it without any questions.
    
    
                                     Jeff (Captain)
                                     Team Starcraft

Hmmm... I've got just the opposite problem with Metpay.

I just transferred my car insurance over to Metpay and then tried to insure 
my boat.  They said they wouldn't touch it unless it was valued over $6,000.

Doesn't make sense to me.

-HSJ-

    If you live in Southern N.H. I definately would recommend State Farm
    Insurance. I think they are alot cheaper than Metpay...and pay and
    pay!!
    
    Bass-O-Matic

    
    	I called Metpay yesterday and now I'm insured!  $100.00 later
    
    	15' boat with a 90 hp.  Valued at $3500.00 now problems with
    Metpay and I don't have anything else covered with them.
    
    	Thank you!
    
    	Swivel