I am just going through this process for a trawler in FL and I must say it has been frustrating. First, the questionaires and forms for the most part, are designed for trailerable newer boats. When you try to fit a 30 year old trawler to them, especially one you don't own yet, most of the questions are bizarre. Examples of some things I was told:
-Prices were all over the chart!!! I went with 8 different co's for quotes.
-Will not write ins in FL unless the boat is trailered or indoor "rack" stored in a hurricane proof building. Never seen a rack stored 12 ton trawler yet but I would like the see the forklift. Anyone have an empty nuke plant for rent?
-Must name a local person to "care" for your boat when you are not present. It apparently doesnt matter that the caretaker will face mandatory evacuation when the big one comes.
-It doesnt matter for rates if your trawler max speed is 8 or 40 knots.
-SeaTow doesn't insure trawlers in FL if you don't live there full time.
-Dry stored on chained together jack stands is not "High and Dry" to some companies.
-Boat US was nearly double the price for a similar agreed value policy.
-Progressive max limit for agreed value was $40k.
- Fixing "recommended" items on a survey has to be completed and signed for by a "professional". Replacing a broken hose clamp or seacock yourself is not acceptable.
Some could not understand why I had a problem with the question "Where will the boat be stored?" Lets see, wet or dry? Since I dont own the boat yet, I have not signed a storage contract anywhere. I have verbal oks from a couple places. When wet, I will be traveling all over without schedule (hopefully). They just want a name to fill in the blank!