[Rhodes22-list] Insurance

[Bill Effros]

PS -- Wise move on not distracting Stan.  You want a boat from Stan, and any time spent on other stuff will slow him down on finishing your (and other people's) boats.  He does this stuff for us, but we should all be aware that he can only work for about 18 hours a day, and if we've got him doing one thing he can't do another.

Bill Effros


----- Original Message ----- 
From: Bill Effros 
To: The Rhodes 22 mail list 
Sent: Friday, March 26, 2004 8:12 AM
Subject: Re: [Rhodes22-list] Insurance


Vic,

I used the same approach.  I know I have a good insurance company (Amica) and I know they won't jeopardize all of the other insurance I have with them if I ever have a claim on my boat.  The boat represents a minor part of my insurance.  The marine policy I have with them is very specific about what they will and will not cover.  I have stipulated I won't trailer the boat in the "off-season" here in the Northeast, so that lowers my premium--as it should.

If I ever make that trailer-sailor trip to Key West I will change my coverage to cover the trip.

That's the way insurance should work.

It's not a lottery.  It's insurance.

Bill Effros


----- Original Message ----- 
From: Vic Huebner 
To: The Rhodes 22 mail list 
Sent: Friday, March 26, 2004 8:09 AM
Subject: Re: [Rhodes22-list] Insurance


Hi,
I talked with them and got the same answer as others got - you must verify
the value if you want higher coverage. Since I don't have the boat yet, they
wanted a letter and photos from Stan. Since I didn't want to bother Stan I
went to State Farm. They handle it just like a home owners policy - insure
for whatever you want but prove it after loss. Their cost was reasonable and
didn't need a photo or serial numbers for the trailer and motor (which I
don't have yet). The bottom line is that homeowners is easy to get on a new
boat. Maybe you can get a cheaper rate from USboats after you have all the
paperwork the second year.
Vic Huebner

----- Original Message ----- 
From: <R22RumRunner at aol.com>
To: <rhodes22-list at rhodes22.org>
Sent: Thursday, March 25, 2004 12:07 PM
Subject: Re: [Rhodes22-list] Insurance


> Vic,
> Call them and talk with a warm body and explain that this is a factory
> refurbished boat with warranty.
>
> Rummy
> __________________________________________________
> Use Rhodes22-list at rhodes22.org, Help? www.rhodes22.org/list

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