Hi Everyone

Anybody have a reference for older boat insurance besides Boat Us. 1968 42Commander they just raised my rates to $1682.00 per year......ouch


Mario Puglise

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Do you have a current survey? Like this year. That might change their minds...

No, last survey was about 4 maybe 5 years ago. Might as well keep what I have rather than pay for another survey

Hi Mario,

Call Kevin Severance, Severance Insurance. 281-333-3100.  He has insured my 38 commander for the

last 25 years.

Pat Stone

That was me. The do vintage policies, that’s what I have on my boats. They stopped offering a discount to Commander Club members, as well as many other clubs. I do still get a 10% discount through the ACBS though. Hagerty does require a survey, then every 5 years afterwards. I just hit the 5 year mark and they sent me a self survey. I don’t know about how they handle claims, but so far they have been easy to deal with. I was at $628 last year for my 31 Commander and 14’ Glasspar. I’m sure it will go up this year as I’m going to try and raise the insured value significantly since I’ve done extensive work since I bought it.  

I had Farm Bureau before as an ad on to my home owners, I won’t ever use Farm Bureau again, they kept jacking me around randomly canceling insurance then make you jump through their hoops to get it back. After the third time I told them I was done with them even though they were the cheapest. 

Matt Cowles said:

Didn’t Hagerty tell a Club member a year or so ago they weren’t doing vintage boat policies anymore? Am I misremembering a discussion?

Foremost. They will sometimes accept a zillion clear photos in lieu of a formal survey. 

I insure my 41' 1975 Chris Craft with Aero Marine Insurance up here in the Boston area. Full coverage with agreed hull value, full fuel spill liability and 300,000 liability is 800.00/year but boat needs to be out by Nov 1st. Been with them about 20 years and had one claim with my old boat ad they were very responsive and handled the claim quickly and without any hassles.

Haggarty declined my 1973 410 Commander about 5 years ago. The survey had a number of items needing fixed ( which I eventually completed). Maybe they only want fully restored vintage boats. I went with Boat US. No claim filed to date (knock on wood) so I can't comment on their willingness to pay claims. They had no problem covering my  boat and were easy to work with.

John Brock

1973 410

Boat US is way to expensive I cut my insurance in haft with more coverage with state farm 

Hagerty came back with a price of only $892.00 per year, the problem is they need an out of water survey. well were already moved on the boat for the summer and not going to pay to pull it out plus pay for survey.

Next stop is Nationwide. 

I will return


A short haul for a survey should not be expensive, It can be done in the slings.  An insurance survey is not the same as a pre-purchase survey.

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