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USA
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Posted: 1/20/2022 12:52:55 AM EDT
Owned a 16' v-hull aluminum boat with a 20HP Johnson up until this summer, with trailer. About as bare bones as you can get.
Got rid of it and moved up to a nicer Smokercraft with a 25HP Mercury EFI, with trailer. Paid $6750 for it. I'm not worried about insuring it for replacement cost since that's still pretty inexpensive, but should I be getting insurance for other reasons? Like liability if I take people out fishing with me? Or some kind of freak accident happens, like it takes off and I plow into the side of someone else's boat due to a mechanical failure? |
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Posted: 1/20/2022 1:25:25 AM EDT
[#1]
It's a good idea from a liability standpoint. I pay Progressive $100 a year for liability on my pontoon through my local independent agent.
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Posted: 1/20/2022 10:04:37 AM EDT
[#2]
Yes, absolutely get insurance on it. And make sure it covers replacement cost for tackle, rods, and electronics stored in/on the boat.
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TX, USA
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Posted: 1/20/2022 10:33:45 AM EDT
[#3]
Absolutely. I ensure two boats for $153 a year. Get the on-water towing and trailer coverage too.
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Posted: 1/20/2022 10:36:40 AM EDT
[#4]
From a liability standpoint I would get insurance.
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TN, USA
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Posted: 1/20/2022 10:37:41 AM EDT
[#5]
Buy the coverage. You don't have to have done anything wrong, someone can claim you did, file suit and you're in for the ride.
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Posted: 1/20/2022 10:43:58 AM EDT
[#6]
Some trailerable boats can be covered under your automobile insurance for a nominal service charge.
But yes, liability is a must. |
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Posted: 1/20/2022 10:44:08 AM EDT
[#7]
Yes it might decide to hope of the hitch and attack a school bus. It’s easier now to add them to your auto.
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Posted: 1/20/2022 3:03:38 PM EDT
[#8]
Yes get insurance. Also make sure it includes recovery
if it sinks. |
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Posted: 1/20/2022 3:09:51 PM EDT
[#9]
Yes.
Friends act surprised I have full coverage on my dirt bikes. 3 bikes cost $200 a year. New bikes are $12K. |
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Posted: 1/20/2022 3:46:38 PM EDT
[Last Edit: HELOBRAVO]
[#10]
About 350-400 a year for me. Replacement cost, towing, liability, clean up for sinking/spills/whatever.
Hagerty is cheaper than Boat USA and you can use any tow service and get reimbursed.  Attached File |
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USA
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Posted: 1/20/2022 7:28:18 PM EDT
[#11]
Thanks for the replies. Honestly i can't see getting anything other than liability. I'm in the midwest, typically on small lakes so getting tow insurance while nice, isn't really that big of an issue.
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Posted: 1/20/2022 9:29:31 PM EDT
[#12]
Quote HistoryOriginally Posted By GreenLantern: Thanks for the replies. Honestly i can't see getting anything other than liability. I'm in the midwest, typically on small lakes so getting tow insurance while nice, isn't really that big of an issue. Tow insurance may not be necessary for you, but recovery insurance is well worth the added cost. I work on a lake in a National Forest and recovery of sunken boats is mandatory and can get very expensive. I'm sure local parks have the same requirement. |
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USA
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Posted: 1/21/2022 2:33:08 PM EDT
[#13]
I can't wrap my head around what I'd be doing that could cause my boat to sink to the bottom of a lake. I run navionics on my phone. I don't go blasting around lakes I don't know. While insurance is really all about risk, i'm just not seeing that as a possible outcome for me.
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Posted: 1/21/2022 3:37:44 PM EDT
[#14]
Quote HistoryOriginally Posted By GreenLantern: I can't wrap my head around what I'd be doing that could cause my boat to sink to the bottom of a lake. I run navionics on my phone. I don't go blasting around lakes I don't know. While insurance is really all about risk, i'm just not seeing that as a possible outcome for me. Neither did the 20 or 30 owners of boats I've helped recover from the deep. Mean ol Mr Gravity is always pulling down on the boat and Murphy is waiting patiently. Do as you wish as I'm just giving you my professional opinion. |
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Posted: 1/22/2022 2:28:55 AM EDT
[#15]
Quote HistoryOriginally Posted By GreenLantern: I can't wrap my head around what I'd be doing that could cause my boat to sink to the bottom of a lake. I run navionics on my phone. I don't go blasting around lakes I don't know. While insurance is really all about risk, i'm just not seeing that as a possible outcome for me. Wind coming up suddenly. Rouge wave. Sunken logs or other material punching a hole. When it happens it happens quick. Came close to dieing from our boat sinking. |
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Posted: 1/29/2022 10:57:02 PM EDT
[#16]
I wouldnt think of not having it. It costs me $24/mo. That includes medical, property damage, 8k in tackle and equipment, and on road/on water towing. No brainer.
For the people that think you dont, well we must have way different experiences or your a 10x a year boater. I have had nasty storms pop up with no warning and bilge pumps screaming for 45 minute sraight pumping water out from spearing waves. And i fish nothing but freshwater lakes 
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Posted: 2/17/2022 8:04:53 PM EDT
[#17]
Quote HistoryOriginally Posted By GreenLantern: I can't wrap my head around what I'd be doing that could cause my boat to sink to the bottom of a lake. I run navionics on my phone. I don't go blasting around lakes I don't know. While insurance is really all about risk, i'm just not seeing that as a possible outcome for me. No one really does until it happens. Boat insurance is pretty cheap. |
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Posted: 3/6/2022 2:19:01 PM EDT
[Last Edit: WildBoar]
[#18]
If you insure it put it under your ole ladys name. 1100 a year to insure my boat under my name. 745 a year under my ladys name. Holy friggin male "privilege" . ugh
Just insured boat for 40k. All I need is a murder hornet aka idiot on a jet ski to blast into the side of it and have a 40k pile of trash. Definitely insured. |
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