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<blockquote data-quote="rodcontrol" data-source="post: 218532" data-attributes="member: 1008"><p>Most of the conversations have been accurate. Homeowners insurance will have built in liability coverage for low hp motors. As for the umbrella policy many of them are essentially excess liability policies. Meaning if you don't have the underlying liability policy an umbrella wont help you. I would also be careful when you are listing a value on your boat, 5 or 10 years down the road your boat is worth nothing near what you paid for it. Most polices after an amount of time will be ACV (actual cash value). Progressive boat insurance offers a full replacement policy for a length of time after a brand new purchase or a used newer boat. The best thing is to talk to your agent, if you don't like talking to your agent get a new one <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite2" alt=";)" title="Wink&nbsp; &nbsp; ;)" loading="lazy" data-shortname=";)" /></p></blockquote><p></p>

[QUOTE="rodcontrol, post: 218532, member: 1008"] Most of the conversations have been accurate. Homeowners insurance will have built in liability coverage for low hp motors. As for the umbrella policy many of them are essentially excess liability policies. Meaning if you don't have the underlying liability policy an umbrella wont help you. I would also be careful when you are listing a value on your boat, 5 or 10 years down the road your boat is worth nothing near what you paid for it. Most polices after an amount of time will be ACV (actual cash value). Progressive boat insurance offers a full replacement policy for a length of time after a brand new purchase or a used newer boat. The best thing is to talk to your agent, if you don't like talking to your agent get a new one ;) [/QUOTE]

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