I recently upgraded to a center console prodrive. I don't know about some of you money bags but that's a lot of money to me. So my question is - is boat insurance worth investing in? I know these boats can take one hell of a beating so I'm not sure if it's even worth looking in to but figured I would ask around. If it is worth getting what types of coverage should I look in to? Is there certain companies that give a better rate over others? What's the avg monthly? Y'all tell me since obviously I don't know what I talking about when it comes to boat insurance. I know I get a discounted rate for taking the coast guard capt course but that's the existent that I know.

I pay 320 per year for like 17k worth coverage.

I pay 820 a year for 35000$ Coverage on my new airboat. If I ever have to use it, it will be worth every penny

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Just don't let your agent write it through progressive. You'll pay for the full year only to get a letter a couple weeks later saying they don't cover your hull type or propulsion type and give you a refund....... and then you have to start all over. Waste of time.

Very loaded question. It varies by individual. They use credit, loss history, insurance history, etc to get rates. The way I explain the need is if you can write a check for a brand new boat and not flinch you don't need insurance. But from you sayin it's a big hunk I would say you do need it. It's not there for maintenance it's there for a total loss. Also you need property damage and liability if you boat race public land or are ever on crowded waterways

I would get it. I have progressive and have not been canceled yet...

I have Allstate I pay 384 for 15k plus boat equipment 1k and 1k for personal effects. You never know what might happen. To me it's a worthwhile investment.

I pay 180/year through State Farm for 18k in coverage.

Allstate-$270 for my GT cc.

got mine yesterday through American National, 261 a year 18,000 for boat and 100,000 liablility

Anybody try Boat US

I have boat us on my prodigy believe it was 310 a year, but i did have an accident in last rig. So probably why it was a little high, but so far so good.

Geico gave me excellent quote on my rig.. $17 a month full coverage but they're only insuring 7-8k

Progressive covers mine. Full coverage, $10k agreed value, $4k hunting gear coverage and $1000 fishing grae coverage For like $117a year

I dropped them before they dropped me. I was up for renewal and they sent me a survey for why I didn't renew. I had fun with it.


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