Andrew:
You won't get boat coverage through your homeowner's in Florida. (God knows
it's hard enough to GET homeowner's here because of hurricanes ...)
Your best bet is Progressive Insurance. As long as you are OK with a
sizeable deductible, you should be able to get coverage for $300-400 a year,
as opposed to many hundreds more for BoatUS and other private insurers.
The big reasons to have insurance are salvage and liability.
If your boat sinks and you don't have insurance, you will have to pay many
thousands for a salvage company to float and dispose of the boat. (Florida
waters are shallow, so the boat usually doesn't just disappear under the
waves.)
Liability, of course, comes into play when you bang into that million-dollar
gin palace and wreck the Awlgrip paint job.
You're correct that Seatow has a bad rep in parts of Florida for an
overeagerness to declare salvage and make soft groundings into something
more expensive, mostly due to individual operators out for a quick buck.
Progressive insurance will pay up to $500 to cover a tow, which likely would
leave you with part of a bill to pay. TowboatUS covers all for $125 a year.
Jack Brennan
Former C&C 25
Shanachie, 1974 Bristol 30
Tierra Verde, Fl.
-----Original Message-----
From: Andrew Frame via CnC-List
Sent: Monday, May 18, 2015 11:55 AM
To: CnC-List@cnc-list.com
Cc: Andrew Frame
Subject: Stus-List Towing, Insurance, etc.
Hello folks. New guy here again.
I have discovered that SeaTow is the company to stay away from. But what
about BoatUS?
My specifics are not extreme: river sailing or always in sight of the
coast, always daytime.
My concern is liability in case of an accident with another vessel, or
some kind of disability like a dismasting due to a snapped stay.
24' C&C, no engine. 45-thrust trolling motor for maneuvering, and sail
under way.
Thanks for your thoughts.
--
Andrew Frame
C&C 24, Lehigh Acres/Alva, FL
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