I was traveling when I added my vote for Progressive via iPhone and was not near a computer to respond in greater detail. By way of further response, I favor Progressive due to the nature of its of policy and the relatively reasonable premiums.
Once upon a time, I insured my C&C 34 with the company affiliated with BoatUS (pre-GEICO). It was CNA as I recall, but that was a while ago. When I bought the 42 Custom, I was required by the insurance company to obtain a survey, which I did. We discovered a wet spot in the core below the waterline, which turned into a nightmare repair job. The work was completed over a period of about two years, during which time I had “on the hard” coverage. At some point, BoatUS affiliated with GEICO (I believe GEICO now owns BoatUS). Shortly thereafter, there was a thread on this list about a problem with GEICO’s insurance for older boats. Specifically, built into GEICO’s policy was a decreasing payout for damage based on the age of the boat. When I looked into it, I discovered that if my boat was dismasted, for example, GEICO would not pay enough to replace the rig. Finding this unacceptable, I found another carrier. Following a hurricane that hit Florida, my premiums went through the roof (even though my boat is on Lake Erie), so the search was on again. Eventually, I discovered Progressive, which does not present the GEICO older boat problem and offers decent coverage for my 50-year-old boat at a relatively reasonable rate. Fortunately, I have not had to test it with a claim. Matt Wolford C&C 42 Custom From: Brian Davis via CnC-List <[email protected]> Sent: Thursday, March 19, 2026 7:04 AM To: Stus-List <[email protected]> Cc: Brian Davis <[email protected]> Subject: Stus-List Re: Boat insurance options 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 <http://www.linkedin.com/in/brian-w-davis-inc> LinkedIn
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.
