Insurance

[Exodus]

Can't help you as to questions regarding USAA boat insurance, but did have a very bad experience with USAA when my car was insured through them.  I had to threaten legal action against them to get my car repaired properly.  After that I vowed never to do business with them again.  They still send me offers in the mail 10 years later that go directly into the trash.

[Ted Pounds]

USAA wouldn't even cover mine when I bought it back in '95 so I went with BoatUS.  They gave me a great deal ($360 a year as I recall) so I stayed with them.  I had mine surveyed when I bought her.  I don't remember whether I sent BoatUS a copy or not.  BTW I've always had all my other stuff w/ USAA.

[scotty]

We also went with BoatUS.  We had a survey when we bought the boat (last July) so it was not an issue, we just supplied it. When the tsunami hit Santa Cruz last month, they called me the next day to ask if we had any damage - which we did not.  I was impressed that they called. 

[noworries]

We also went with BoatUS.  We had a survey when we bought the boat (last July) so it was not an issue, we just supplied it. When the tsunami hit Santa Cruz last month, they called me the next day to ask if we had any damage - which we did not.  I was impressed that they called. 

What would they have said if you said yes? "You have our deepest sympathies... too bad we do not cover acts of God!"

[Stu Jackson]

What would they have said if you said yes? "You have our deepest sympathies... too bad we do not cover acts of God!"

Except that's NOT the reputation BoatUS has.  They DO cover claims, and are sometimes way ahead of the skipper, who may still be in shock.

The lobbying BoatUS does for us all is well worth the price of admission, and membership is half price when you're a C34IA member.

[noworries]

I have BOAT US.  Never have filed a claim with them though.  I guess they do cover acts of god, so I stand corrected!

It always cracks me up when people go with cheaper insurance just to save a few bucks.  Then they have a claim and either their policy doesn't help them (that's why it was cheaper) or they are a pain to deal with.

What type of losses does your policy cover?
A. All BoatU.S. Policies are "All Risk" policies which cover all external causes of loss except those specifically excluded. Coverage includes losses caused by hurricane, theft, flood, fire, sinking, collision, etc.