Burger Insurance

Good luck.
Please keep us informed of who you find.

Just got an email from Underwriter that Chubb is sending me terms for a renewal policy that are not agreeable to me. I got a list of hopefully good underwriters from the place that I stay during Hurricane season in Stuart. Let me know if you want it and I can try and get it on the website.

Attached is a list of insurers recommended by River Forest. I called Brown and Brown and mentioned someone else with a Burger wanting a quote and they seem to want that business. Brace yourself I am hearing that boat insurance market is difficult right now to say the least. Good Luck especially if you want to keep it in Florida while not residing in Florida (my situation). Moderators I went with medium size and it came out blurry so redid with large size. Hope I have not violated any rules.

On the list;
We have worked close with Beale Insurance for many years.
They are well informed with the markets and honest.
http://bealemarine.com/contact/

With the markets as they are these days, it's still going to be rough.
Look forward to hear good news on this thread.

Try Joe Kolish at Kolish Marine Ins. I have used him personally and have recommended him for 20 years. I don't recall that he was ever not able to write a policy. He just got a cheaper policy for a client who only found one company willing to insure his new to him boat.

I'm a Burger, albeit not a 1964. I use Jeff Spector at Brown and Brown. Good folks. I've had some boats with age, and I've never been without insurance....it's out there.

oh, and you're either going to need to leave FL doing hurricane season or have a contract for a haul out amidst a hurricane plan.

If this is needed (haul for a named storm), you have to long ago reserve a slot, with a deposit.
Lots of yards are full of reservations and the insurance companies know this.
Inquire about refuge in the upper St Johns river.

That's just not a requirement to have insurance. We don't haul out, we don't leave, we're fully insured. Just look around at how many boats in FL.

Just look around at how many OLD boats in FL
OB, Don't think you have a vintage boat. A lot of us do.
Our surveys are always perfect. FM, insurance always more than a new, larger and more expensive tub of #%%^ (per K$).

Insurance rates are more on an old boat cause it's more likely to see trouble and suffer damage. Also because any substantial hit will probably be a total loss. But the precautions demanded should be the same.

But they're still insured and don't haulout or leave. That was what I was responding to.

Yep, Our old Bert is still insured.
Were on our own engineered dock that our insurance company approved.
Inland and well above any flood plans.
Not many folks can deal with this (banjos playing in the back ground), but I find more doing so.

OB is correct, Not all can live here. Not all old boats have full coverage. Not all boats are insured (scary). Not all boats are this old. Not all owners can qualify for better (any) insurance either.
Buba (hold my beer), can not..
Not all boats have to haul, just have a good plan in place, hopefully a good dock and tie up schema.
We have summited a few storm plans for our customers thru the years. Not to fancy but made the insurance companies happy.

On a more realistic note, It's a poker game (insurance), somebody at some rate will cover your hand, just shopping for the affordable ante (if at all) takes some time and digging around.
Just as I stated in #13, newer boats get better rates per $k coverage than old boats for some unknown reason.

Your welcome.

Previous coverage that I had (prior to my current underwriter) required a named storm hurricane plan, and that plan included haul out. Now, what would have happened had I not hauled, and I chose not to through a couple of Cat 1 storms, and had a claim? I didn't fortunately need to find out. But it was their requirement.

My current coverage would require the same, but I chose to leave the state for the season and stay north of Savannah until after mid October. Saves me a fortune in insurance, and pays for the trip up and back, doubles my fun.