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Banned
Join Date: Mar 2007
Location: Ft.Lauderdale, FLORIDA
Posts: 2,813
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Boats: Do you take liability insurance?
I just bought a 16 foot Larson boat. It's great fun in the canals of the "Venice of America", Fort Lauderdale.
Liability insurance? I thought my homeowners would cover this, but my insurance guy said not. I will probably spend 90 of the operating time with me only in the boat; the rest will be the woman and the friends from the neighborhood. And even then, 90% of our little cruises will be within two miles of my house, and always at idle speed due to manatees. Liability insurance? My insurance guy quoted me $227 per year. Worth it? N? |
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12-28-2008, 07:28 PM
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Registered Cruiser
Join Date: May 2004
Location: Pursuing Happiness
Posts: 3,892
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Insurance is never worth it until you need it.
That being said, I have a 32' boat and am insured against loss, liability, etc.
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87' Carmine Red Carrera - Keeper 82' Silver SC - Sold 79' Gran Prix White SC - Sold 05' Black C2S - Daily driver I have never really completely understood anything. |
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12-28-2008, 07:33 PM
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Bandwidth AbUser
Join Date: Nov 2001
Location: SoCal
Posts: 29,522
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The only boat I didn't bother with insurance was my old Laser. All others were covered against loss and liability.
Consider an umbrella policy, too.
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Jim R. |
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12-28-2008, 07:39 PM
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Non Compos Mentis
Join Date: May 2001
Location: Off the grid- Almost
Posts: 10,592
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I won't drive a car without liability, and I won't drive a boat without it, either.
The risks are not worth it. $227 is silly cheap compared to a lawsuit. |
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12-28-2008, 08:09 PM
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Canadian Member
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Yes.
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12-28-2008, 08:13 PM
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1974 w/89 Look Porsche 911 Cabriolet 2.7 L Rebuil
993 TT
