Let's talk Insurance

  • 58 Replies
  • 9075 Views

jimpen

  • Join Date: May 2014
  • *
  • SCJB Plus Member
  • Macho Member
  • ********
  • Posts: 2,874
  • Karma: +68/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 69
« Reply #25 on: March 15, 2015, 04:22:34 PM »
Try a company called Formost.  They asked Hp I said 350. They ask speed I said 50 mph. Both are true at 3000 rpm.
No pictures no question about exhaust were ask. I would not call in with a header burn to insure. I got avg. coverage with a know value of 20,000.00

Sent from my iPhone using SoCal Jet Boats
« Last Edit: March 15, 2015, 04:27:50 PM by jimpen »
  • Boat #1: 18 CP
  • Boat #2: Xcursion 23 RF


81sprint

  • Join Date: Nov 2012
  • Location: Vegas
  • *
  • Hero Member
  • *****
  • Posts: 640
  • Karma: +18/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 2
« Reply #26 on: March 15, 2015, 05:22:13 PM »
What did they charge you Jim?

jimpen

  • Join Date: May 2014
  • *
  • SCJB Plus Member
  • Macho Member
  • ********
  • Posts: 2,874
  • Karma: +68/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 69
« Reply #27 on: March 15, 2015, 05:42:44 PM »
I believe it was 350.00 a year. We have Farmers for all our insurance now but the don't insure boats so the use Formost to insure the boat and other toys.  We have had them on the sand toys also been good for that.


Sent from my iPhone using SoCal Jet Boats
  • Boat #1: 18 CP
  • Boat #2: Xcursion 23 RF

81sprint

  • Join Date: Nov 2012
  • Location: Vegas
  • *
  • Hero Member
  • *****
  • Posts: 640
  • Karma: +18/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 2
« Reply #28 on: March 19, 2015, 04:27:14 PM »
Well I just signed up with Formost, 20k agreed coverage 2500 on the trailer.  Was $700 for the year, and I told then 500 hp and 70 mph.

gsmitty

  • Join Date: Feb 2014
  • *
  • Sr. Member
  • ****
  • Posts: 282
  • Karma: +8/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #29 on: March 19, 2015, 04:56:36 PM »

Well I just signed up with Formost, 20k agreed coverage 2500 on the trailer.  Was $700 for the year, and I told then 500 hp and 70 mph.
I have call everyone today with no luck do you have exposed motor?


Sent from my iPhone using SoCal Jet Boats

81sprint

  • Join Date: Nov 2012
  • Location: Vegas
  • *
  • Hero Member
  • *****
  • Posts: 640
  • Karma: +18/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 2
« Reply #30 on: March 19, 2015, 05:02:49 PM »
I have call everyone today with no luck do you have exposed motor?


Sent from my iPhone using SoCal Jet Boats

Wozencraft insurance 714-263-2626. I dealt with a girl named Tana. Yes my motors exposed.

capogniracing

  • Join Date: Mar 2014
  • Location: Chino
  • *
  • Macho Member
  • ******
  • Posts: 2,480
  • Karma: +66/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 2
« Reply #31 on: March 19, 2015, 06:48:24 PM »

Wozencraft insurance 714-263-2626. I dealt with a girl named Tana. Yes my motors exposed.
seems like it's the best for any performance boats. After motors in I need to give them a call


"RTCP"

gsmitty

  • Join Date: Feb 2014
  • *
  • Sr. Member
  • ****
  • Posts: 282
  • Karma: +8/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #32 on: March 19, 2015, 07:00:51 PM »

Wozencraft insurance 714-263-2626. I dealt with a girl named Tana. Yes my motors exposed.
Cool thanks will can tomorrow!


Sent from my iPhone using SoCal Jet Boats

jimpen

  • Join Date: May 2014
  • *
  • SCJB Plus Member
  • Macho Member
  • ********
  • Posts: 2,874
  • Karma: +68/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 69
« Reply #33 on: March 19, 2015, 08:56:01 PM »

Well I just signed up with Formost, 20k agreed coverage 2500 on the trailer.  Was $700 for the year, and I told then 500 hp and 70 mph.
. Glade it worked out for you Sean


Sent from my iPhone using SoCal Jet Boats
  • Boat #1: 18 CP
  • Boat #2: Xcursion 23 RF

81sprint

  • Join Date: Nov 2012
  • Location: Vegas
  • *
  • Hero Member
  • *****
  • Posts: 640
  • Karma: +18/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 2
« Reply #34 on: March 19, 2015, 08:57:33 PM »
. Glade it worked out for you Sean


Sent from my iPhone using SoCal Jet Boats

Thanks jim, had to do something don't wanna pull the boat outta the garage without insurance

jimpen

  • Join Date: May 2014
  • *
  • SCJB Plus Member
  • Macho Member
  • ********
  • Posts: 2,874
  • Karma: +68/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 69
« Reply #35 on: March 19, 2015, 09:00:10 PM »

Thanks jim, had to do something don't wanna pull the boat outta the garage without insurance
. Yeah I feel the same and they ask a lot less questions. I stretched the truth a little more then you did. I only pay 400 for mine in the pontoon


Sent from my iPhone using SoCal Jet Boats
  • Boat #1: 18 CP
  • Boat #2: Xcursion 23 RF

kptnkhaos

  • Join Date: May 2014
  • *
  • Full Member
  • ***
  • Posts: 147
  • Karma: +0/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #36 on: March 19, 2015, 09:50:10 PM »
Wozencraft insurance in Orange County is big into boating himself and will get anyone covered no matter horsepower, I have mine thru them and couldn't be happier, they write for several different companies, mine is with farmers and have had a couple claims without any issues.
I was a adjuster for progressive insurance and went to them and wouldn't go anywhere else, if you need a number let me know.
I pay around 400 a year but have agreed value of 17k and high coverage for property damage and bodily injury.


Sent from my iPhone using SoCal Jet Boats

chaddler

  • Join Date: Mar 2015
  • Location: Valencia
  • *
  • Newbie
  • *
  • Posts: 1
  • Karma: +0/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #37 on: March 20, 2015, 11:03:00 PM »
Hagerty Marine, I pay $400 for 400hp v-drive. Valued at $15k. AAA wouldn't touch it, everything else I own is through AAA


Sent from my iPhone using SoCal Jet Boats

FordLover

  • Join Date: Jun 2008
  • Location: Sacramento, CA
  • *
  • Macho Member
  • ******
  • Posts: 1,990
  • Karma: +69/-0
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #38 on: March 24, 2016, 06:17:40 AM »
Gots me some insurance now. 350 a year. Got the boat and trailer insured for 10k. Also have liability, uninsured boater, medical expenses and tow assist. Pretty happy with it. For sure peace of mind.

Bunger

  • Join Date: Jul 2013
  • Location: Yorba Linda
  • *
  • Hero Member
  • *****
  • Posts: 1,069
  • Karma: +6/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #39 on: March 24, 2016, 07:02:52 AM »

Gots me some insurance now. 350 a year. Got the boat and trailer insured for 10k. Also have liability, uninsured boater, medical expenses and tow assist. Pretty happy with it. For sure peace of mind.

Who'd you go through


Sent from my iPhone using SoCal Jet Boats

FordLover

  • Join Date: Jun 2008
  • Location: Sacramento, CA
  • *
  • Macho Member
  • ******
  • Posts: 1,990
  • Karma: +69/-0
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #40 on: March 24, 2016, 02:45:23 PM »
Went through Farmers who then went through Foremost.

FordLover

  • Join Date: Jun 2008
  • Location: Sacramento, CA
  • *
  • Macho Member
  • ******
  • Posts: 1,990
  • Karma: +69/-0
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #41 on: March 24, 2016, 02:47:12 PM »
Oh! Forgot to mention they emailed me today saying I get an added discount since I have multiple stuff through them. Dropped my monthly 10 bucks a month. 120 a year. Makes it feel that much more awesomer.

40ozman

  • Join Date: Mar 2016
  • Location: Stockton, Ca
  • *
  • Newbie
  • *
  • Posts: 29
  • Karma: +0/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 9
« Reply #42 on: March 26, 2016, 03:10:43 PM »
Former adjuster and Fraud Investigator here....  Be careful not fully disclosing info on your boat.  In CA(where most of us are), ANY misrepresentation of info on your policy is grounds to deny any claim. 

  It'd suck to have something happen, then the insurance company walk from it, BUT IT CAN AND DOES HAPPEN.    ALWAYS remember, when you deal with an insurance company, you are dealing with a financial institution.  Any other thing you think is marketing influence.  Your coverage comes down to one thing, your policy.  They wont pay for something not on the policy.   Your policy is the contract.  If you misrepresent your end of the policy, or contract, the contract can be void.

  There is no good or bad companies.  There are good and bad policies.  This is where a good agent comes in.  There are ALOT more bad agents then good ones.   I could provide a ton more info, but feel i'm rambling
  • Boat #1: 1977 Challenger

Redeye1620

  • Join Date: Jul 2013
  • *
  • Newbie
  • *
  • Posts: 34
  • Karma: +0/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 0
« Reply #43 on: March 29, 2016, 09:49:41 AM »
I didn't see anybody recommending Nationwide.  My agent David Santana is a jet boat guy who writes policies all over the country.  916-517-9235 in northern cal.

Brad @ SCJB

  • Join Date: Oct 2006
  • Location: Las Vegas, NV
  • *
  • Administrator
  • Informative Member
  • *******
  • Posts: 12,249
  • Karma: +249/-0
  • HNIC
    • View Profile
    • SoCal Jet Boats.com
  • Liked:
  • Likes Given: 115
« Reply #44 on: March 29, 2016, 10:40:04 AM »
There is a new section to the site for Boat Insurance that is sponsored by Nikki Kinkaid Insurance. Only been 24 hours and I have heard a hand full of people who have had great feedback of their experience in using her services.

http://www.socaljetboats.com/boat-insurance/

  • Boat #1: 1978 Liberty
  • Boat #2: 1982 Eliminator Sprint

NIKKIKINCAID

  • Join Date: Mar 2016
  • Location: San Diego
  • *
  • Newbie
  • *
  • Posts: 19
  • Karma: +3/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 1
« Reply #45 on: March 29, 2016, 04:47:50 PM »
Hey All,

I read all of your input on what's covered, what's not covered, what to tell your insurance company, what they're willing to cover and what value they are covering your boat for. Give me a call and I'm happy to give you all the information you want. The reality is that we never use insurance until it's a major accident or loss. I think Dennis was the one who said he didn't mind paying the premium because the alternative to not having insurance is being out the 25K he has into Becky and I couldn't agree more.  There are a million options out there and coverage combinations. Jet Boat Insurance is not one size fits all. And honestly as the price of a 55mph boat vs. a 85 mph boat isn't that different, being honest upfront guarantees that in the case of something major the insurance company doesn't hesitate on paying the claim.

40ozman

  • Join Date: Mar 2016
  • Location: Stockton, Ca
  • *
  • Newbie
  • *
  • Posts: 29
  • Karma: +0/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 9
« Reply #46 on: April 01, 2016, 07:56:08 PM »
I didn't see anybody recommending Nationwide.  My agent David Santana is a jet boat guy who writes policies all over the country.  916-517-9235 in northern cal.

I have talked to Dave in the past for insurance.  His a good guy for us NorCal folk
  • Boat #1: 1977 Challenger

Hallett Dave

  • Join Date: Dec 2006
  • Location: Lancaster, Ca
  • *
  • Sr. Member
  • ****
  • Posts: 401
  • Karma: +13/-0
    • View Profile
  • Liked:
  • Likes Given: 3
« Reply #47 on: April 05, 2016, 07:25:32 PM »
Hey All,

I read all of your input on what's covered, what's not covered, what to tell your insurance company, what they're willing to cover and what value they are covering your boat for. Give me a call and I'm happy to give you all the information you want. The reality is that we never use insurance until it's a major accident or loss. I think Dennis was the one who said he didn't mind paying the premium because the alternative to not having insurance is being out the 25K he has into Becky and I couldn't agree more.  There are a million options out there and coverage combinations. Jet Boat Insurance is not one size fits all. And honestly as the price of a 55mph boat vs. a 85 mph boat isn't that different, being honest upfront guarantees that in the case of something major the insurance company doesn't hesitate on paying the claim.


By all means give Nikki a call.
She is very knowledgeable and easy to work with.
She asked me about engine horse power.  I replied it has never been on a dyno.
I told her the engine spins a stainless 'A' impellor to 6,000 RPMs.
There was a moment of silence and then a reply.  Well according to the charts I would say it is 750 HP.  We can do this Dave, no problem.
I feel we have great coverage at a fair price.
Thank you again Nikki and we hope to see you and James at the Mothers Day trip.
Dave & Erika


Hey you Woodchucks, quit chucking my wood!

99Problems

  • Join Date: Apr 2016
  • Location: Bishop and Orange County
  • *
  • Newbie
  • *
  • Posts: 18
  • Karma: +1/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 9
« Reply #48 on: April 05, 2016, 07:50:54 PM »
I insured the Sprint today with Foremost. Valued the boat at 14k and the trailer at 1k. Estimated horsepower at 350 ;-) and top speed at 70. Full coverage etc.$305 per year. I also use Foremost on the Commander and our Manufactured home. They are a good resource.


Sent from my iPhone using SoCal Jet Boats
  • Boat #1: 1985 Eliminator Sprint

Roadrunner

  • Join Date: Oct 2011
  • Location: socal
  • *
  • Hero Member
  • *****
  • Posts: 657
  • Karma: +12/-0
  • Registered User
    • View Profile
  • Liked:
  • Likes Given: 19
« Reply #49 on: July 30, 2016, 04:56:56 PM »
Just insured with Nikki Kincaid. Changed carrier to Farmers. Insured two boats, full coverage for just over $600. Couldn't be happier 👍👍👍


In God we trust, all others pay cash.

 


Website Security Test
Powered by EzPortal

Website Security Test