Just got back last night. Kids had a great time in Fl. DANG! 220 posts and over 6300 reads! Let’s go for 500/10000.
Fishoutawater, thanks for your interest. Please be aware–We don’t specialize in Fountains–we specialize in MARINE INSURANCE of ALL types–all types of boats, yachts, commercial vessels, charter boats, ski boats, creek boats, sailboats, passenger ships, headboats, tugboats, oil tankers, bassboats, everything, and yes Midgie, jet skis too (but I don’t own one). We also specialize in writing boat dealerships, boat manufacturers, marinas, docks, and marine-related businesses, like mechanics, and boat repair, etc.
As I mentioned earlier–our “Special” program for Fountains, meant “Special” versus competing policies, not versus other lines of boats or other customers. We have a program for Fountain-type boats that has rates and coverages that are special, because we specially designed them with the knowledge of the other policy products and rates out there. We offer SPECIAL rates and coverages to evey kind of boat–It’s our SPECIALTY.
Per your request, Fish, other things to consider are:
(1) Replacement Cost/Agreed Value/ACV (listed from best to worst)
Read the details on what portions are covered by which type of coverage. Some companies’ policies will cover certain parts of the boat as replacement cost or agreed value, and cover other parts as ACV (or vice versa). Worse than that, some policies will say that they have a replacement cost endorsement option included, but the ultra-fine print at the bottom of the quote says that the replacement cost coverage only applies to PARTIAL LOSSOS (WHAT A FARCE!!). I recently saw that on a policy from one of the big homeowner’s companies (I don’t want to mention their name publically–that would be impolite). I think I covered the definitions in an earlier post.
(2) Fishing Equipment Coverage.
Don’t assume that it’s included in personal property–it often is NOT. We recently paid a $5000 claim on some fishing tackle. The c