Hey Everyone,
I got my new (to me) boat a few weeks ago and called Geico (the company that I have all of my car insurance with) to get coverage for my boat.
I had the boat policy quoted with 13.5k insurance on the boat and motor (NADA value) and 1.5k on the trailer. I had the typical 100k liability that our club requires to run it in the tourneys......, $2500 for personal items (rods, lures, etc) they hit me with a $404/yr quote and required 100% down.... They have been kind of pissing me off lately as I have 2 teenage boys that I have had to add to my policy and they are screwing me for about $4500/yr for liability ins on 4 cars for Me, the wife and 2 boys..... Me no tickets, wife 1 ticket 3 years ago, oldest boy 1 accident and 3 tickets, youngest boy just got his license.
I'm thinking they could work with me a bit and not require 100% down, I am already in to them for $400/mo.....
Anyhow, I remembered seeing this forum and gave Bob a call. He asked me all kinds of questions about my boat, motor, trailer and how I would be using the boat. He asked that I let him get to work on the details and he would get back to me.......
He called me yesterday afternoon with a much much much superior policy with equal value coverages on the boat, and higher on the trailer. More personal effects coverage, towing expense coverage, higher liability limits and extended coverage in case I am driving someone elses boat and have a mishap.
He took the time to explain each of the coverages and why I wanted/needed each of them, made sure that I understood each of them. Then gave me a heck of a surprise with a MUCH better policy and at WAY better price with a lower deductible!!
I feel comfortable in saying that this guy is a great resource for us all here on the forum, and he sure took care of me with my boat policy......
Give BOB a call, it will probably be well worth your time. Even if you simply have questions, he sure took the time to explain things to me.
A happy new customer
Bill
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