I was reading the other thread and it got me thinking,, Maybe we can help each other out by saving a couple bucks by finding the best insurance for the best price.

If you are willing please share

*who you get your mud boat insurance through
*the insured value of your rig
*does it cover the trailer
*how much you pay for your premiums

Thanks so much!

State Farm
17.00 dollars a month or 200 a year.
100,000 liability
250 deductible
Real property coverage = 18,000
Trailer is included but limited too 2000
Motor 5000
Boat 11,000
Medical per person 1000
No discount on this for multiple insured property.


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State farm
352 year.
100,000 liability
500 deductible
Real property coverage = 17,100 (boat and motor)
Trailer is 2000
Medical per person 5000
No discount on this for multiple insured property.


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Geico / Seaworthy
165/ year.
100,000 liability
500 deductible
Coverage = 12,500 boat and motor
Contents - 1000
Trailer is 1000
Medical per person 5000
And im not sure on the number, but like 350,000 coverage for spilled fuel, or something like that.


No discount on this for multiple insured property.

I just got a quote from Progressive on my rig

106 / year
25K Liability per person 65K per incident. (my state minimums)
250 deductible
Coverage @ 10,000 includes boat, motor and trailer
medical is 2,500 per person per incident.

The reason it was so cheap was because I declined the "propulsion plus" coverage that covers fixing of the lower unit of the outboard if it goes out and I declined "tow service" coverage also. I doubt they would cover a mud motor's lower unit anyway.

They also stated that if I cancelled within the first year they have a 90/10 return as part of the deposit. since we are covered with snow 5 months out of the year and I only use the boat for duck hunting for 2 months or so that might not be a bad deal.