Hobie Cat Forums

I got a quote from progressive for insurance on my 2001 H16, anywhere from $62.00+ to $104.00. It seems kind of excessive for a non powered 16' boat.

Does anybody have a good insurance company I can call to get a decent quote from?

Thanks all!

TMason

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"Spirit of 76" Hobie Sail #18515
2001 Hobie 16, Sail #105865
1981 Hobie 18, Project Boat

Hi tmason - interested in the costs for insurance too. I guess to know for sure I think we'd want to know what exactly you are insuring against per year. Is it the replacement cost of the boat ( what is the cost you're insuring against)?

I was thinking of checking on insuring for $1K or so for my boat (1985) and trailer etc. mainly as a result of a trailering accident or some act of god. For some reason I have a doomsday trailer incident in the back of mind since we have to trailer anywhere.

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Jonathan
'85 H16 __/) 87468 Tidal Wave

my state farm is $60 per year libility/medical only The boat is covered undet the car policy when attached to the tow vehicle.

I'm curious, if we have a hurricane coming and I hitch the trailer to my vehicle (state farm) is the boat covered?

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-Zach
Hobie 16 for sale
West Lafayette, IN (school)
Melbourne, FL (summer)

I insure my boat through Progressive. The boat is insured for $25k, the trailer for another $5k I think. My policy is about $360 a year. Seems reasonable enough to me compared to my other insurance costs.

Safeco - 2 boats (2000 H17Sport and 2009 Weta) fully insured (boat/trailer replacement, 10K/person/incident medical, and $100,000K liability) @ $400.00/year. They were very expediant paying out for damage due to a beach flip from a wind gust to my cat a few years back (new mast, front cross beam, standing rigging, a rudder and some marine epoxy).

AAA charges me $70 for 8k replacement value and liability on my H16. They charge me an additional $40 to insure the trailer for $3K replacement value.

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1979 Hobie (sold)
1983 Hobie 16 Hawiian Sunset (sold)
1981 Hobie 16 Tequilla Sunrise - still own
2008 Hobie 16 (currently sailing the crap out of this boat)
1977 Super Sunfish
John

I'm with boatUS. It seems pretty reasonable. Price obviously depends on what and how much insurance you want. My rate is a little more than the progressive quotes in the original post and includes a BoatUS membership.

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Garrett

94' H16 - 100403

I guess I should clarify that was the monthly payment amount from them. Not the amount for a year.

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"Spirit of 76" Hobie Sail #18515
2001 Hobie 16, Sail #105865
1981 Hobie 18, Project Boat

ouch

Run away!

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Garrett

94' H16 - 100403

That seems like way too much, but you did not tell us what your getting for that price.

$100k in liability from progressive on my 20 was $89 per year for me. I soon switched to State Farm with $15k in coverage on boat and trailer, I now pay around $300 per year. Where and how you store the boat seems to make a difference. I can see them charging you that if you kept it on the beach during hurricane season......

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2001 Nacra 20
84 H16 108123

I'm in Canada, so laws could be different. I keep my boat at the campground, but since my travel trailer is parked there permanently on concrete blocked, it's insured as a second residence, as such everything I own that is at the campground is covered under my home owner's policy including the boat.

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Marc...
1978 Hobie 16 Keoke, sail# 36 84

I'm with BoatUS and pay $335 per year. My policy is for "New Boat Replacement" should anything happen to it. Seemed like a good idea at the time... The policy also has $300k in liability and property damage.

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2011 H16... Have a Hobie Day!
1983 H14 Turbo...

I don't feel so badly now. I just renewed my insurance with Geico yesterday. The policy covers new boat replacement, property damage and liability. My boat is a 2011 Hobie 16. The policy was $143 per year. Property Damage Limits are 100k per/300k total.

As I understand it, my car insurance covers the boat only for liability when being towed. The Auto policy will not cover any damage to the boat due to an incident. Only a boat policy will cover damage to the boat when the boat is being towed (unless of course the damage is the fault of a third party, in which case the third party's auto policy is responsible for all property damage).

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Stayin' Thirsty...
2011 Hobie 16SE
Atlanta, GA