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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Ken<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Your homeowners (and probably renters) insurance covers your
liability (boats under 26 ft and less than 10 hp). Usually if you give
someone permission to use your boat they can do it but it is still your
liability. You need to let the insurance know that you will be racing and
if they won’t cover you then change insurance because there are those who
will. Homeowners usually covers the motor because it is personal
property.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>The club requires liability insurance and I don’t remember
the minimum number. You probably have it already. It is with your
homeowners insurance. It is if you damage someone else. Check with
Wayne because it is not on the on-line form.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>The thing you really want is hull insurance. This is
insurance that covers you if there is damage and it is not someone else’s
fault. This would be a mast breaking or a collision with repair on your
boat but you were on port or the boat simply sinks. That is a separate policy
and should be available through your insurance broker. Get coverage for
racing with spinnakers. Shop around. Some are less concerned than
others. Always buy insurance from someone who doesn’t know about sailboats
so you can tell them what they need (you want them) to know. They will
probably cover the motor but you may have double coverage.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Pay attention to the navigation season which around here is May
1 to Oct 31. If you can get better than that, consider whether you’ll
use it.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Ernest<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
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<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>
sonar-bounces@lists.wyc.org [mailto:sonar-bounces@lists.wyc.org] <b>On Behalf
Of </b>Ken Stieers<br>
<b>Sent:</b> Friday, July 16, 2010 5:09 PM<br>
<b>To:</b> sonar@lists.wyc.org<br>
<b>Subject:</b> [Sonar] Insurance?<o:p></o:p></span></p>
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<p class=MsoNormal><o:p> </o:p></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Hey
all, <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>So,
for those that didn't hear the details of Tom's announcement, I'm the new
Sonar owner, #137, though I don't have any sails with that number (long
story...)<o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>I
have some questions about insurance, since when I called my agent and mentioned
racing and the possiblity that others might drive the boat they got all
squirrely... <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>SO:<o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>What's
required by the club? <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Who
carries the right coverage(s)?<o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Beyond
the bare minimums like personal liability and property damage, what's worth
getting and what's not? <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Thanks
for any advice you can give!<o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p>
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<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Ken
<o:p></o:p></span></p>
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<p class=MsoNormal><o:p> </o:p></p>
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