Went in, with great reservations, to get insurance on the new boat today. Figured I should bring along my own jar of vasoline and found out instead that Sun has actually dropped their rates. SO if anyone is looking for insurance this season I suggest shopping around.
On my 17' Glastron with 115 Johnson, covered for full replacement at $32,500/2 million liability, I was paying $680 plus tax for the First Mate - Plus package from Sun Alliance.
Figured I'd get nailed for 3x that on the new 2150 Lund. I told them 50MPH max and their assessor(sp) agreed a boat that big/heavy couldn't go any faster than that.
All said and done boat, motor, 9.9 kicker, electric trolling motor, all electronics, rod holder tracks, accessories, down riggers, $5K in fishing gear, 2 million liabilty...all with a full replacement face value of $97,000 (including tax), if someone decides to steal it all. Total premium $965 + tx. Shocked me, figuring I'd be around $2 grand. Quite happy, especially considering I pay $1700 for a 2003 Ford F150 that isn't worth more than $27000 now.
Just hopefully I never actually have to make a claim.