Insurance
Insurance
I recently relocated my PDQ 32 from Hilton Head SC to Bradenton, FL. I notified my insurance company of the move. My annual premiums are to be increased from $1400/year to $4200/year! This is obviously due to increased risk from 'named' storms. I am currently with Progressive, and have never had a claim with them.
If I raise the dedductible for a named storm from $5000 to $10000, the premium is reduced to $3200.
What have others done in the fine state of Florida to help control insurance costs? No - can't blame this one on Obamacare-
Bob Gruber
Island Time 32
If I raise the dedductible for a named storm from $5000 to $10000, the premium is reduced to $3200.
What have others done in the fine state of Florida to help control insurance costs? No - can't blame this one on Obamacare-
Bob Gruber
Island Time 32
- chicagocat
- admiral
- Posts: 181
- Joined: Tue Aug 03, 2004 2:39 pm
- Location: Chicago (36052)
Re: Insurance
Bob,
I pay $1200/yr for the Anne Z in Chicago and $3200/yr for Cat Tales in Punta Gorda (with $10K named storm deductible). That's from Progressive through USAA. So about the same as you.
I got a quote a couple months ago from Sam Densler's guy in Florida, but Sam got grandfathered into a pre-hurricane program and they can't offer a rate that cheap anymore. Best he could do was $3800 with 10K storm deductible.
My policy is prepaid for the year and expires in December, so I'm starting to shop around more. I'll post what I find, but I'm not optimistic that it will be cheaper.
Brendan
I pay $1200/yr for the Anne Z in Chicago and $3200/yr for Cat Tales in Punta Gorda (with $10K named storm deductible). That's from Progressive through USAA. So about the same as you.
I got a quote a couple months ago from Sam Densler's guy in Florida, but Sam got grandfathered into a pre-hurricane program and they can't offer a rate that cheap anymore. Best he could do was $3800 with 10K storm deductible.
My policy is prepaid for the year and expires in December, so I'm starting to shop around more. I'll post what I find, but I'm not optimistic that it will be cheaper.
Brendan
PDQ 36052 - 1996 LRC - "Anne Z" - Chicago
and 2001 PDQ 36 Classic (Tall Rig)- "Cat Tales" - Punta Gorda, FL
and 2001 PDQ 36 Classic (Tall Rig)- "Cat Tales" - Punta Gorda, FL
- SecondWind
- admiral
- Posts: 404
- Joined: Sat May 08, 2004 8:57 am
- Location: Punta Gorda, Fl (33950)
- Contact:
Re: Insurance
Try these people. Don't know if they can do any better, but it's worth a phone call.
Traci Meier
Customer Service
Mariners General Insurance Group
417 12th Street West, #107
Bradenton, FL 34205
Ph: 941-708-5018 / Fx: 941-866-0218
Toll Free: 800-914-9928
Traci@marinersins.com
www.marinersins.com
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Traci Meier
Customer Service
Mariners General Insurance Group
417 12th Street West, #107
Bradenton, FL 34205
Ph: 941-708-5018 / Fx: 941-866-0218
Toll Free: 800-914-9928
Traci@marinersins.com
www.marinersins.com
Be Our Fan On Facebook
www.facebook.com/marinersins
Terry Green
s/v Second Wind
36040
s/v Second Wind
36040
- Lady of the Lake
- Site Admin
- Posts: 626
- Joined: Wed Dec 22, 2004 1:37 pm
- Location: Punta Gorda, FL (36015)
- Contact:
Re: Insurance
My guy is now able to write those policies again! You ALL need to call him, far and away the BEST rates out there...And I had a total loss claim on my pre-PDQ vessel and they handled it perfectly...
Paul Phaneuf
(813) 353-0303
Ask to talk directly with Paul for the boat rates. You can tell him I sent you. I have no financial interest here, just a very happy customer. I now have EVERYTHING with him...
Sam
Paul Phaneuf
(813) 353-0303
Ask to talk directly with Paul for the boat rates. You can tell him I sent you. I have no financial interest here, just a very happy customer. I now have EVERYTHING with him...
Sam
Sam and Gina Densler
s/v Lady of the Lake
PDQ36 Hull #15
Punta Gorda, FL
s/v Lady of the Lake
PDQ36 Hull #15
Punta Gorda, FL
Re: Insurance
Terry,
A huge thank you for the tip. I contacted them and now in the process of insuring with Seaworthy Insurance Co. Instead of my annual rate going from $1400 to $4200, it's now only going up to $1700 per year - same coverage as before.
Bob Gruber
Island Time 32
A huge thank you for the tip. I contacted them and now in the process of insuring with Seaworthy Insurance Co. Instead of my annual rate going from $1400 to $4200, it's now only going up to $1700 per year - same coverage as before.
Bob Gruber
Island Time 32
Re: Insurance
Sam,
Called Seaworthy Insurance but they will only insure Florida residents.
John
PDQ32
'DreamCatcher'
Called Seaworthy Insurance but they will only insure Florida residents.
John
PDQ32
'DreamCatcher'
- Lady of the Lake
- Site Admin
- Posts: 626
- Joined: Wed Dec 22, 2004 1:37 pm
- Location: Punta Gorda, FL (36015)
- Contact:
Re: Insurance
John,
I am recommending the following:
Allstate/Castle Key
Paul Phaneuf
(813) 353-0303
Sam
I am recommending the following:
Allstate/Castle Key
Paul Phaneuf
(813) 353-0303
Sam
Sam and Gina Densler
s/v Lady of the Lake
PDQ36 Hull #15
Punta Gorda, FL
s/v Lady of the Lake
PDQ36 Hull #15
Punta Gorda, FL
Re: Insurance
Sam,
That is the place I called and they said they were only licensed to sell insurance to Florida registered boats.Matt Barres, referred me to Total Dollar Insurance. I have not contacted them yet.
John
PDQ32
'DreamCatcher'
That is the place I called and they said they were only licensed to sell insurance to Florida registered boats.Matt Barres, referred me to Total Dollar Insurance. I have not contacted them yet.
John
PDQ32
'DreamCatcher'
Re: Insurance
I have followed Sam's recommendation and received good service from:
Allstate/Castle Key
Paul Phaneuf
(813) 353-0303
Brian
sv MIDORI
32032
Allstate/Castle Key
Paul Phaneuf
(813) 353-0303
Brian
sv MIDORI
32032
Brian
-
- Site Admin
- Posts: 185
- Joined: Tue Feb 03, 2004 4:58 pm
- Location: Chicago (32007)
Re: Insurance
When Phenix started doing charters, I had to switch from State Farm. I now have Seaworthy. I am in Illinois. Rate quoted was half of what others quoted. My contact:
Susan A. Coates
sac@offshorerisk.com
Offshore Risk Management
www.offshorerisk.com
Telephone 305-743-7711
Susan A. Coates
sac@offshorerisk.com
Offshore Risk Management
www.offshorerisk.com
Telephone 305-743-7711
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