Reply
 
Thread Tools Search this Thread Display Modes
 
Old 05-28-2020, 09:06 PM   #1
Master and Commander
 
markpierce's Avatar
 
City: Vallejo CA
Country: USA
Vessel Name: Carquinez Coot
Vessel Model: penultimate Seahorse Marine Coot hull #6
Join Date: Sep 2010
Posts: 11,806
Your insurance coverage versus boat's range

My insurance coverage covers the San Francisco estuary (bays, rivers) but only to Half Moon Bay south of the Golden Gate and Drake's By to the north along the Pacific coast, perhaps 30-so more miles outside. Yet my four fuel tanks holding nearly 300 gallons total giving a range out to Victoria BC Nice to have the range, but wasn't needed, but still a desirable trait.
__________________
Advertisement

__________________
Kar-KEEN-ez Koot
markpierce is offline   Reply With Quote
Old 05-28-2020, 09:21 PM   #2
Guru
 
City: Rochester, NY
Country: USA
Vessel Name: Hour Glass
Vessel Model: Chris Craft Catalina 381
Join Date: Aug 2019
Posts: 1,646
If I headed straight offshore I'd have the range to exceed my insurance cruising limits. In any other direction, I'd need fuel first. But considering the availability of fuel in most coastal locations, I can't see how the 2 things are really all that related.
__________________

rslifkin is offline   Reply With Quote
Old 05-28-2020, 09:21 PM   #3
Guru
 
City: Hughesville, MD
Country: USA
Vessel Name: Branwen
Vessel Model: Hatteras 48 LRC
Join Date: Feb 2015
Posts: 549
Forgive the slow person on the forum, but are you comparing insurance cruising limits to the vessel's possible range and/or wondering if there's a relationship?

Greg.
GregBrannon is online now   Reply With Quote
Old 05-28-2020, 09:23 PM   #4
Guru
 
menzies's Avatar
 
City: Jacksonville
Country: USA
Vessel Name: SONAS
Vessel Model: Grand Alaskan 53
Join Date: May 2014
Posts: 6,039
Half Moon Bay, hmmmm. Isn't that where Grey Whale Cove State Beach is?
menzies is offline   Reply With Quote
Old 05-28-2020, 10:53 PM   #5
Guru
 
hollywood8118's Avatar
 
City: Port Townsend Washington
Country: USA
Vessel Name: " OTTER "
Vessel Model: Ocean Alexander Europa 40
Join Date: Nov 2009
Posts: 1,908
Quote:
Originally Posted by markpierce View Post
My insurance coverage covers the San Francisco estuary (bays, rivers) but only to Half Moon Bay south of the Golden Gate and Drake's By to the north along the Pacific coast, perhaps 30-so more miles outside. Yet my four fuel tanks holding nearly 300 gallons total giving a range out to Victoria BC Nice to have the range, but wasn't needed, but still a desirable trait.

Most boat insurances have coverage limits, few are "worldwide".
I doubt additional limits would change the premiums much as long as it's still in the states. It has absolutely nothing to do with boat range.. any more than your car insurance and the size of it's fuel tank.


Must be a slow day on TF


HOLLYWOOD
hollywood8118 is offline   Reply With Quote
Old 05-28-2020, 11:38 PM   #6
Guru
 
Lepke's Avatar
 
City: Between Oregon and Alaska
Country: US
Vessel Name: Charlie Harper
Vessel Model: Wheeler Shipyard 83'
Join Date: Jun 2016
Posts: 1,854
My insurance is US and Canadian waters to 25 miles out. I go further than 25, but that's my risk. Tuna fishing or crossing the Gulf of Alaska.
Lepke is offline   Reply With Quote
Old 05-28-2020, 11:54 PM   #7
Master and Commander
 
markpierce's Avatar
 
City: Vallejo CA
Country: USA
Vessel Name: Carquinez Coot
Vessel Model: penultimate Seahorse Marine Coot hull #6
Join Date: Sep 2010
Posts: 11,806
Well, what factor of a boat's range was part of the decision in boat selection? It was largely incidental for me, but wasn't surprised that selecting a "true" trawler had lots.
__________________
Kar-KEEN-ez Koot
markpierce is offline   Reply With Quote
Old 05-29-2020, 05:53 AM   #8
Guru
 
psneeld's Avatar
 
City: AICW
Country: USA
Vessel Name: Freedom
Vessel Model: Albin 40
Join Date: Oct 2011
Posts: 21,183
I was told cruising/navigational limits on insurance are based on both the underwriters perception of risk AND owner/operators experience in different areas.

Nothing to do with fuel range.
psneeld is offline   Reply With Quote
Old 05-29-2020, 06:00 AM   #9
Guru
 
OldDan1943's Avatar
 
City: Aventura FL
Country: USA
Vessel Name: Kinja
Vessel Model: American Tug 34 #116
Join Date: Oct 2017
Posts: 5,417
Pay for the ‘usual’ and request a rider to extend your cruise area only when necessary.
Based on a sad experience, before going to a yard, interrogate your insurance agent to make sure you are cover during the haul out and on jack stands. If not, get a rider.
__________________
Did Noah have a get home-engine?
Which weather app did Noah and Columbus use?
OldDan1943 is offline   Reply With Quote
Old 05-29-2020, 06:19 AM   #10
Guru
 
City: Rochester, NY
Country: USA
Vessel Name: Hour Glass
Vessel Model: Chris Craft Catalina 381
Join Date: Aug 2019
Posts: 1,646
I just double checked the cruising area on my policy. I'm covered anywhere within the US and Canada out to 75 nautical miles from the coast. Partial coverage applies in Mexico with a 30 day limit, but not enough to be covered in Mexico without additional coverage.

Realistically, that's a far bigger area than I need, so if I end up changing to an insurer with more flexible cruising areas at some point, I'll likely go with something smaller.
rslifkin is offline   Reply With Quote
Old 05-29-2020, 06:22 AM   #11
Guru
 
jleonard's Avatar
 
Join Date: Jun 2008
Posts: 3,884
The 2 summers that we cruised up the Hudson and into Canada our insurance was much less. Almost $500 less.
Then went back up when we went back to CT as our home port.
__________________

__________________
Jay Leonard
Attitude Adjustment
40 Albin
Mystic,Ct. /New Port Richey,Fl
jleonard is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off





All times are GMT -5. The time now is 01:51 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0
Copyright 2006 - 2012
×