[Capri25] Flow

Fri Apr 19 13:13:42 CDT 2013

My sailboat, motor and trailer are covered on a seperate Boat Owners policy ($87/yr) with State Farm.  They will only write the boat policy if you have either home or car insurance with them also.
There is no exception for racing that would exclude coverage etc. and there is no need to identify who the skipper is.  The insurance follows the boat.  They have paid several claims with no questions over the years and its the best insurance deal I have.  I also get a small safety discount becasue I have my boat inspected by the Coast Gaurd Auxillary every year.

  If your boat is a motor boat that you want to insure and its used for racing then they have exclusions.  I also asked my State Farm agent and they do not cover groups of boats.

rudy

________________________________
From: Odell Tuttle <otuttle at gmail.com>
To: John Speltz <johnspeltz at comcast.net> 
Cc: "Capri25 at lists.wyc.org" <capri25 at lists.wyc.org> 
Sent: Friday, April 19, 2013 12:31 PM
Subject: Re: [Capri25] Flow

FYI - Most policies specify that Racing is not covered ...unless it's a sailboat.

Odell Tuttle
Chief Technology Officer
XRS Corporation
965 Prairie Center Drive
Eden Prairie, MN 55344
c 651.925.7728
http://www.xata.com/ 
On Fri, Apr 19, 2013 at 8:52 AM, John Speltz <johnspeltz at comcast.net> wrote: 
Hi Matt,
>
>It was our understanding that, if you RACE, your homeowners policy would not
>cover the race boat.  That's why we had a separate policy drawn up.
>
>I have information from other boats.  If you share your information, I will
>send you what I have, see example below.
>
>Skipper     Capt. Insurance
>Boat            Big Dipper
>Company Progressive
>Cost            $230
>Bodily Injury 500K
>Uninsured Boater  500K
>Med Injurty Paym't       5K
>Comprehensive  15K
>Collision   10K
>Deductable  $500
>Other       Flow you are one sexy mama
>
>John
>
>-----Original Message-----From: capri25-bounces at lists.wyc.org [mailto:capri25-bounces at lists.wyc.org]
>On Behalf Of Matt McCarrollSent: Friday, April 19, 2013 8:32 AMTo: capri25 at lists.wyc.orgSubject: Re: [Capri25] FlowMake sure you check you homeowners policies. Prior to recently changinghomeowners I had my capri 25 and an MC scow covered for replacement andliability for ~250 per year as an external policy via allstate. With my newhomeowners it is covered to to the same limits for no additional cost,including on-lake liability.-MattOn 4/19/13 8:25 AM, Odell Tuttle wrote:> Judging from the number of stern rails, bow pulpits, masts, and> stanchions we've gone through... we'd probably be a high-risk group.>>> *Odell Tuttle*>> Chief Technology Officer> *XRS Corporation*> 965 Prairie Center Drive> Eden Prairie, MN 55344> c 651.925.7728> http://www.xrscorp.com/ <http://www.xata.com/>>>>> On Fri, Apr 19, 2013 at 8:22 AM, Dutch Bull <dbull at northernim.com> <mailto:dbull at northernim.com>> wrote:>>     I would have to look it up, but I believe Magic is paying
 about>     $280 per year. Is there any chance an insurance company would be>     interested in insuring the fleet or possibly anyone in the club>     interested in a group policy. Bert, has this ever been explored?>>     Dutch Bull>>     Northern Iron & Machine>>     867 Forest Street>>     St. Paul, MN 55106>>     PH 651-778-3338 <tel:651-778-3338>>>     Cell 763-300-9562 <tel:763-300-9562>>>     dbull at northernim.com <mailto:dbull at northernim.com>>>     *From:*capri25-bounces at lists.wyc.org>     <mailto:capri25-bounces at lists.wyc.org>>     [mailto:capri25-bounces at lists.wyc.org>     <mailto:capri25-bounces at lists.wyc.org>] *On Behalf Of *John Speltz>     *Sent:* Thursday, April 18, 2013 1:49 PM>     *To:* capri25 at lists.wyc.org <mailto:capri25 at lists.wyc.org>>     *Subject:* [Capri25] Flow>>     Flow wants to know .>>     I just received the bill for the marine insurance associated with>     my Capri 25. And I asked
 myself, "am I paying too much.">>     Question, does anybody in the Capri 25 fleet feel there would be>     some value in sharing insurance coverage and costs. We all have>     the same boat and are subject to the same risks. Maybe we could>     extract some value by comparing notes.>>     Your thoughts .>>>     _______________________________________________>     Capri25 mailing list>     Capri25 at lists.wyc.org <mailto:Capri25 at lists.wyc.org>>     http://lists.wyc.org/mailman/listinfo/capri25>>>>> _______________________________________________> Capri25 mailing list> Capri25 at lists.wyc.org> http://lists.wyc.org/mailman/listinfo/capri25_______________________________________________Capri25 mailing listCapri25 at lists.wyc.orghttp://lists.wyc.org/mailman/listinfo/capri25_______________________________________________Capri25 mailing
 listCapri25 at lists.wyc.orghttp://lists.wyc.org/mailman/listinfo/capri25_______________________________________________Capri25 mailing listCapri25 at lists.wyc.orghttp://lists.wyc.org/mailman/listinfo/capri25
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