Insurance...boatus still the best?

[Herschel]

I carry 30000 of hull insurance. Maybe that's why my premium is high. That was replacement value when I bought the boat but won't cover the improvements I've made that I doubt I would want to do over.
Ix

So my conclusion is you are carrying $30K agreed value and you are located in a hurricane zone where the premiums are significantly more. I can understand that, I guess. But $1200 is still pretty steep. Do you really think it would cost $30K to replace your boat + the improvements on the used market? And also, keep in mind, the full agreed value only comes into play if the boat is a total loss. For damages less than the full value, what you get is still pro-rated based on the market value and subject to your deductible.

Paul I, Forgive this diversion, but noticed you are in Niagara Falls. Jokingly wondering if your insurance depends on whether you are upstream or downstream from the falls! I visited your fair town and the falls a few years back driving from Toronto to Cleveland. I noticed a marina just off the little river that flows from Lake Erie to the falls. I thought at the time, "Boy, those guys are nervy; bet they take the maintenance for their engines real seriously and/or have great anchors! Wouldn't even want to be boating, myself, anywhere near those puppies (the falls)!"
And a total diversion, are you familiar with April Stevens, the singer and Grammy winner, who hailed from Niagara Falls? She was a favorite of us military guys in the 60's with her "Teach Me Tiger" hit.
https://en.wikipedia.org/wiki/April_Stevens

[Tomfoolery]

And a total diversion, are you familiar with April Stevens, the singer and Grammy winner, who hailed from Niagara Falls? She was a favorite of us military guys in the 60's with her "Teach Me Tiger" hit.
https://en.wikipedia.org/wiki/April_Stevens

That recording was the closest thing to sex on vinyl I've ever heard. Or maybe it was just my youthful hormones. And it's no surprise it was a hit with the military, especially overseas.

https://www.youtube.com/watch?v=tWpA5iY2V1I

Not that it has anything to do with sailing.

[NiceAft]

Before my time you old guys.

In “59“ I was ten. In “65“ I was sixteen.

Ray

[taylormade]

Man, I can't believe the prices being quoted in this thread. When I bought my X, I called USAA and learned (like others here) that they weren't writing new policies in Florida and they referred me to Progressive who got me signed up for $220 a year and that comes with towing.

[NiceAft]

My BOATUS is up in a week, and I am renewing. Just for comparison, I will let you all know what the coast is.

Ray

[Herschel]

And a total diversion, are you familiar with April Stevens, the singer and Grammy winner, who hailed from Niagara Falls? She was a favorite of us military guys in the 60's with her "Teach Me Tiger" hit.
https://en.wikipedia.org/wiki/April_Stevens

That recording was the closest thing to sex on vinyl I've ever heard. Or maybe it was just my youthful hormones. And it's no surprise it was a hit with the military, especially overseas.

https://www.youtube.com/watch?v=tWpA5iY2V1I

Not that it has anything to do with sailing.

Now "For the rest of the story"---Ten years ago I was pegged by my company mates to provide some entertainment for our 40th reunion dinner. Had not a clue what to do, so I went online and found a contact for April's agent. I asked him if April was still living (she was) and, if so, if she could sign photos for each of my buddies (about 30 of us). Long story as short as I can make it. I sent her the names, and she signed 30 photos for the guys, included a CD of her songs to play for them (she no longer performs publically; she was in her 70's then; 80's now), and sent a letter to the guys thanking them for being her fans. It was a real hit. I sent her a souvenir reunion blanket and my thanks. I have her picture and her notes from that correspondence framed on my study wall. Her sweetly autographed, "30 something" picture is looking over my shoulder as I write this. A few years later she wrote her memoirs and called it, Teach Me Tiger. She emailed me and asked me to send an announcement about her book to my shipmates. When I got my copy of her book, I discovered she had included one of my letters to her in the appendix. She was very proud of the military fans she had back then. Yep, I feel like a blessed man!

[yukonbob]

Just a thought, but the following is offered by boatus for members of the owners group website for our new to us boat. Might be something worthwhile for admin to look into?

RE: BoatUS Cooperating Group #******

Dear Fellow Boat Owners:

This is the yearly reminder that TOGnews is a BoatUS Cooperating Group, which saves us 50% on a BoatUS membership (regularly $30, reduced to 15).

Membership benefits include:
• 24/7 Dispatch to over 600 towboats in over 300 ports nationwide
• Boat insurance from boating experts with 24/7 claims service
• Savings with local businesses and national partners
• Highest level of shopping rewards at West Marine
• Subscription to BoatUS Magazine or BoatUS ANGLER Magazine

For a complete list of the 25+ benefits or to learn more about BoatUS, visit http://www.BoatUS.com or call 800-395-2628.

[paul I]

duplicate post

[paul I]

Paul I, Forgive this diversion, but noticed you are in Niagara Falls. Jokingly wondering if your insurance depends on whether you are upstream or downstream from the falls! I visited your fair town and the falls a few years back driving from Toronto to Cleveland. I noticed a marina just off the little river that flows from Lake Erie to the falls. I thought at the time, "Boy, those guys are nervy; bet they take the maintenance for their engines real seriously and/or have great anchors! Wouldn't even want to be boating, myself, anywhere near those puppies (the falls)!"
And a total diversion, are you familiar with April Stevens, the singer and Grammy winner, who hailed from Niagara Falls? She was a favorite of us military guys in the 60's with her "Teach Me Tiger" hit.
https://en.wikipedia.org/wiki/April_Stevens

Actually, I live in Wheatfield, which is a small town close to Niagara Falls. Niagara falls itself is part of the Buffalo metro area. I use Niagara Falls as my location only because its the closest readily recognizable city, and because it sometimes prompts questions like yours, which I find entertaining. most people unfamiliar with the area do not realize the is a city named Niagara Falls and think its just a water feature. There are in fact two cities named Niagara Falls. One in NY and one in Ontario.

My is berthed in a marina off lake Erie. it does connect to the Niagara River, but we never sail in the river. I did try it a few times, but its pretty much a no go for me. The current in the river (depending where you are) can be over 15 knots. So you can really only sail with the current.

Boats seem to never reach the falls. They get destroyed on the rocks in the upstream rapids long before that. Very few actually ever go over, in fact, none that I can recall. I think there are also man made barriers to prevent it. There is the occasional rescue from a disabled boat adrift in the river though. The river marinas you saw typically cater to small motor boats and fishing boats.

There are actually access to two lakes here. Lake Erie is 20 minutes to the south, and lake Ontario is 20 minutes to the north. I've sailed in both. Both lakes are accessible from the US and Canada. The Niagara river connects the two lakes, and the Falls is in the middle of the river. The River is also the boundary between the US and Canada. The Welland Canal also connects the two lakes and bypasses the falls. I've travelled that as well...twice.

Its a great place to have a sail boat... at least for 6 months out of the year.

Never heard of April Stevens. I was born in 1957, so she wasn't much on my radar. Ill have to Google her.[/quote]

[yukonbob]

Just a thought, but the following is offered by boatus for members of the owners group website for our new to us boat. Might be something worthwhile for admin to look into?

RE: BoatUS Cooperating Group #******

Dear Fellow Boat Owners:

This is the yearly reminder that TOGnews is a BoatUS Cooperating Group, which saves us 50% on a BoatUS membership (regularly $30, reduced to 15).

Membership benefits include:
• 24/7 Dispatch to over 600 towboats in over 300 ports nationwide
• Boat insurance from boating experts with 24/7 claims service
• Savings with local businesses and national partners
• Highest level of shopping rewards at West Marine
• Subscription to BoatUS Magazine or BoatUS ANGLER Magazine

For a complete list of the 25+ benefits or to learn more about BoatUS, visit http://www.BoatUS.com or call 800-395-2628.

Just to clarify as I've had some questions PM'd to me regarding this. TOG (Tayana Owners Group) is a website similar to this one (far less active, informative and fun ) but as a collective they approached BoatUs and received a discounted group rate similar to the Mac club in BC (they get discounted rates for insurance and some other perks as well). TOG provides a cooperating group number that you provide when singing up for membership. What I am unsure about is if that group rate applies to their other upgrades services as well (extra towing, insurance etc) as I won't be using this anyways; But something Macsailors.com admin might be willing to look into for yet another perk to a great website.

[Catigale]

Paul I, Forgive this diversion, but noticed you are in Niagara Falls. Jokingly wondering if your insurance depends on whether you are upstream or downstream from the falls! I visited your fair town and the falls a few years back driving from Toronto to Cleveland. I noticed a marina just off the little river that flows from Lake Erie to the falls. I thought at the time, "Boy, those guys are nervy; bet they take the maintenance for their engines real seriously and/or have great anchors! Wouldn't even want to be boating, myself, anywhere near those puppies (the falls)!"
And a total diversion, are you familiar with April Stevens, the singer and Grammy winner, who hailed from Niagara Falls? She was a favorite of us military guys in the 60's with her "Teach Me Tiger" hit.
https://en.wikipedia.org/wiki/April_Stevens

Actually, I live in Wheatfield, which is a small town close to Niagara Falls. Niagara falls itself is part of the Buffalo metro area. I use Niagara Falls as my location only because its the closest readily recognizable city, and because it sometimes prompts questions like yours, which I find entertaining. most people unfamiliar with the area do not realize the is a city named Niagara Falls and think its just a water feature. There are in fact two cities named Niagara Falls. One in NY and one in Ontario.

My is berthed in a marina off lake Erie. it does connect to the Niagara River, but we never sail in the river. I did try it a few times, but its pretty much a no go for me. The current in the river (depending where you are) can be over 15 knots. So you can really only sail with the current.

Boats seem to never reach the falls. They get destroyed on the rocks in the upstream rapids long before that. Very few actually ever go over, in fact, none that I can recall. I think there are also man made barriers to prevent it. There is the occasional rescue from a disabled boat adrift in the river though. The river marinas you saw typically cater to small motor boats and fishing boats.

There are actually access to two lakes here. Lake Erie is 20 minutes to the south, and lake Ontario is 20 minutes to the north. I've sailed in both. Both lakes are accessible from the US and Canada. The Niagara river connects the two lakes, and the Falls is in the middle of the river. The River is also the boundary between the US and Canada. The Welland Canal also connects the two lakes and bypasses the falls. I've travelled that as well...twice.

Its a great place to have a sail boat... at least for 6 months out of the year.

Never heard of April Stevens. I was born in 1957, so she wasn't much on my radar. Ill have to Google her.

[/quote]

As long as you are upstream of the North end of Grand Island, you go to shore. After that, you wreck on the rocks in the Rapids, unless you jump overboard, and then you get the one way ticket to the Maid of the Mist.

We had a petty rivalry with Niagara Wheatfield when I was at LewPort in the 1960s....small world.

[Ixneigh]

What makes my boat valuable to me is that she's doing what I need her to do. I have an anchor handling system with a 50 lb luke anchor because I anchor out all the time.
I have skegs on the bottom to help in shallow waters. I dyed that horrible white hull fabric brown so it doesn't look grungy. I finally have a sunshade that works and is strong enough to hold onto or probably sit on. Helm seat redone. It would take a lot of effort and expense to do all that again on another mac.
Ix

[Ponaldpe]

What makes my boat valuable to me is that she's doing what I need her to do.
I have skegs on the bottom to help in shallow waters.

Ix

I would like to know more about the Skegs on the bottom to help in the shallow waters. Is that mod in the mod section someplace? Don

[Ixneigh]

I posted about it a few years ago. Not sure I ever put it in the mod section. Pm me if you want more info
Ix

[Russ]

What makes my boat valuable to me is that she's doing what I need her to do. I have an anchor handling system with a 50 lb luke anchor because I anchor out all the time.

50 Lb !!!
Really?

That will hold a small ship. I guess you sleep well at night.

--Russ