I had a big fight with my last insurance surveyor over a few things. He wanted the engine compartment air and watertight, not able to get gas fumes anywhere else in the boat. This is obviously not possible. He wanted my CNG tank in a propane locker sealed and vented overboard. I told him the whole reason CNG was used on boats was to retrofit boats not set up for propane because methane is lighter than air. I did eventually get propane. He REALLY hated that I had charcoal for our grill. He had dealt with coal fires on cargo ships from coal getting damp and self-combusting. I did get a propane grill, but I think a bag of charcoal is not likely to do that. I told him that the FAA does not make DC-3s comply with current build requirements, so my boat should be good for 1973 regs, not 21st century regs. PS – I have a FREE adapter to fill CNG tanks at a car station, it costs about $2.00 for a fill if anyone wants it.
Joe Della Barba From: Thomas Perison via CnC-List <[email protected]> Sent: Thursday, March 19, 2026 9:40 AM To: Stus-List <[email protected]> Cc: Stus-List <[email protected]>; Thomas Perison <[email protected]> Subject: [EXTERNAL] Stus-List Re: Boat insurance options Brian - Interesting (albeit unfortunate) investigation on your ins options. I changed to Progressive to alleviate the Geico demands which would have rivaled more than 50% of my boat’s value. Maybe more. I spoke w the surveyor about it yesterday and he agreed - they really never read his findings+recommendations. Just wanted every small thing repaired / replaced like a new boat coming off the production line. Sent from my iPhone On Mar 19, 2026, at 7:04 AM, Brian Davis via CnC-List <[email protected]<mailto:[email protected]>> wrote: This has been a great thread to read with a lot of really good experiences shared. Thank you! I just renewed my policy on Nina with Geico Marine. I've had this policy for 10 yrs with no claims and the 25% per year vanishing deductible vanished 6 yrs ago. This year they required a survey. Fortunately, a year ago a potential buyer had a survey performed but I never received a copy. So, I contacted that surveyor and he sold it to me for $100. It was a great survey. He kindly modified the date to be February this year. It valued Nina more than what the currently agreed value has been on the policy. Geico quickly renewed the policy. I was very intrigued by Richard's mention of adding a rider to a homeowners policy. I am also a USAA member so I called them. They transferred me around twice and the result was not enough personal property coverage to be worth it, plus it would not include liability. I think the reason is because the boat is in Florida. The USAA agent then transferred me over to Progressive who underwrites boat policies for them in this state, and still getting the USAA discounts. Their quote with the same policy parameters ended up quoting $250 more per year, and the vanishing deductible of the same 25% per year reduction would essentially reset for my scenario making it not worth it to switch carriers. Fair winds, Brian s/v Nina 1980 C&C Landfall 38 On Wed, Mar 18, 2026 at 10:09 PM Don Kern via CnC-List <[email protected]<mailto:[email protected]>> wrote: Dennis GEICO also required that i get survey by Feb. 11th to re-insure my 1974 C&C 35. After I got the new policy, which raised my rate and placed the boats value below the survey's median value, I drop Geico. Using the same survey, the boat is now insured with USAA/Markel at a significantly lower premium at a value slightly above the surveyor's median but also above GEICO's value that it had been insured for the last 8 years. Don Kern Fireball, C&C 35 Mk2 Bristol, RI On 3/18/2026 11:52 AM, Dennis C. via CnC-List wrote: Several boat owners in my area use smaller independent insurers. Check around. You don't necessarily have to go with one of the "big" companies. Unfortunately not available to all but Touche' is insured through USAA. My policy is actually a legacy policy underwritten by USAA itself. I think USAA now uses Progressive which might be a slight recommendation for Progressive. So, my point is to get a quote from Progressive. -- Dennis C. Touche' 35-1 #83 Mandeville, LA On Wed, Mar 18, 2026 at 9:19 AM Thomas Perison via CnC-List <[email protected]<mailto:[email protected]>> wrote: Good morning all - I know this isn’t a new topic, but given the semi-recent requirement for V & C independent surveys for insurance, I’m shopping for an alternative to Geico. Recently received instructions from them to completely open up / “repair” about 4’ of my stbd topside due to a somewhat higher moisture reading. Even the surveyor said it wasn’t an issue. I could go on belly-aching about other ‘directives’ from them, but suffice to say am looking for your collective wisdom …and other companies ! V/R Tom Therapy 1984 29-2 Buffalo NY November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated. November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated. -- Brian Davis Restorative CFO Bringing financial clarity, stability, and confident decision-making 954-892-1128 LinkedIn<http://www.linkedin.com/in/brian-w-davis-inc> [https://ci3.googleusercontent.com/mail-sig/AIorK4zXc2oTPM2drL5HpbDw9MXXTRNJc4xK6cI6CA-7AWS3_56sLQF4BleLF9u-CfVH7GSl0eRR2rUwrHv5] November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated.
November is the time of the year when my Internet bills come in. It's also the time when you can show your appreciation of this list and the C&C Photo Album. Please help by making a small contribution using PayPal at: https://www.paypal.com/paypalme/stumurray All contributions are greatly appreciated.
