Bob,

We bundled our R-22, Honda outboard, and Lil Dude trailer into our home owner’s insurance policy.  We have Auto Owners.  Not being able to insure your outboard is utter nonsense!  Find a different insurance company.

We got a separate appraisal for the R-22’s hull and rigging.  Then, we have a separate schedule of equipment.  I keep this on a spreadsheet and we provided our insurance company with copies of receipts to prove value.  We update the spreadsheet every year when the premium comes due.  This schedule includes everything from anchors to sails to VHF radios.  There is actually more equipment cost than the hull is worth!

Although it’s a lot of work up front, the advantage of doing it this way is that I have an agreed upon value for the whole boat.  My insurance company and I won’t get into a dispute in the event of a total loss.  Also, make sure you get a full replacement value policy, not depreciated value.

Roger Pihlaja
S/V Dynamic Equilibrium

Sent from my iPhone

> On Jun 5, 2021, at 4:31 PM, Bob Garrant <bgarrant at gmail.com> wrote:
> 
> ?I switched from USAA/Progressive to BoatUS/Geico. Way cheaper. Easy to deal
> with towboaUS.
> My insurance covers my outboard Honda 8 hp
> Bob Garrant
> s/v Sail la Vie 2000
> Kent island MD
> 
> 
>> On Fri, Jun 4, 2021 at 5:52 PM Lee <lvjkuhn at gmail.com> wrote:
>> 
>> My insurance company is USAA but they contract out to Progressive for
>> boats.
>> Progressive told me they can't insure outboards for sailboats.  My outboard
>> is inexpensive so it's probably okay, but because it's so small someone
>> could easily steal it or I could drop it in the drink, again.
>> 
>> Do any of you all insure your outboards?
>> 
>> Lee
>> 1999 Rhodes22
>> Claytor Lake, VA
>> 
>> 
>> 
>> --
>> Sent from: http://rhodes-22.1065344.n5.nabble.com/
>>