Boat insurance STRUGGLING

[Medders]

can anyone help me with finding a reasonable insurance quote that doesn't require a recent boat survey. I'm in south Carolina and can't find nothing under $1500

[Jeffw]

Boat US

[Mocoondo]

What are you trying to insure?

Most insurance companies will require a survey once your boat reaches 20 years old. Many require surveys before that.

I am not currently with BoatUs, but I have been comparing policies lately and I am leaning heavily toward switching to BoatUs at renewal time. Watch policy language as it relates to depreciation of partial losses. In a lot of cases, you can end up with a settlement of practically nothing.

[canoel]

Yes it would help if we knew what boat you are trying to insure. Maybe fill out your profile signature with your boat info and your location.
I have not found any insurance companies that will insure without a survey, especially with an older boat.

[green650]

Foremost insurance doesn't require a survey. I was paying a little around $450 per year for 22k agreed value on my 1988 3218 and around the same for my 2000 2859 with 30k agreed value. Both had the coverages necessary for the marina. I got foremost thru my regular state farm dealer.

[Medders]

It’s for my 1999 bayliner 3055, I’m in South Carolina, I may just have to get a survey done

[Mocoondo]

It’s for my 1999 bayliner 3055, I’m in South Carolina, I may just have to get a survey done

You should anyway. A good surveyor will uncover at least something and you need to know what your boat is worth so you know how to properly insure it...and so does the insurance company.

[yachtman]

Foremost insurance doesn't require a survey. I was paying a little around $450 per year for 22k agreed value on my 1988 3218 and around the same for my 2000 2859 with 30k agreed value. Both had the coverages necessary for the marina. I got foremost thru my regular state farm dealer.

Although Foremost doesn't require a survey they informed me they are no longer takkng on older boats i dont knkw.what the cut off year is but they wouldn't insure my 1989 Avanti 3450. They cover my 1979 conquest 3150 but said if I already have a policy I can keep it but they aren't making new ones on used boats.

[Gsherwood]

Funny you should mention that. I was just on BoatUS checking rates. I’m currently with Progressive but my rates have almost doubled from $70/month to $120/month. But they don’t require a survey. BoatUS does for a boat my age (1987 3270). The advice I’ve gotten is to leave well enough alone.