Return-Path: <Eyes4Hire@aol.com-DeleteThis> Received: from opus.labs.agilent.com (root@opus.labs.agilent.com-DeleteThis [15.0.168.176]) by jr.labs.agilent.com (8.9.3 (PHNE_18979)/8.9.3 AgilentLabs Workstation) with ESMTP id OAA06028 for <wind_talk_ls@jr.labs.agilent.com-DeleteThis>; Thu, 20 Jul 2000 14:10:04 -0700 (PDT) From: Eyes4Hire@aol.com-DeleteThis Received: from cosrel1.hp.com (cosrel1.hp.com [15.88.192.10]) by opus.labs.agilent.com (8.9.3 (PHNE_18979)/8.9.3 AgilentLabs Workstation) with ESMTP id OAA21795 for <wind_talk@opus.labs.agilent.com-DeleteThis>; Thu, 20 Jul 2000 14:10:04 -0700 (PDT) Received: from imo-r05.mx.aol.com (imo-r05.mx.aol.com [152.163.225.5]) by cosrel1.hp.com (Postfix) with ESMTP id 47014782 for <wind_talk@opus.labs.agilent.com-DeleteThis>; Thu, 20 Jul 2000 15:10:06 -0600 (MDT) Received: from Eyes4Hire@aol.com-DeleteThis by imo-r05.mx.aol.com (mail_out_v27.12.) id v.b7.51c6f66 (16789); Thu, 20 Jul 2000 17:09:59 -0400 (EDT) Message-ID: <b7.51c6f66.26a8c4a6@aol.com-DeleteThis> Date: Thu, 20 Jul 2000 17:09:58 EDT Subject: Re: gear insurance To: wind_talk@opus.labs.agilent.com-DeleteThis, mprado@redgorilla.com-DeleteThis Content-Type: text/plain; charset="US-ASCII" Content-Transfer-Encoding: 7bit X-Mailer: AOL 4.0 for Windows sub 104
In a message dated 7/20/00 1:41:44 PM Pacific Daylight Time, dunning@fr.com-DeleteThis
writes:
> My State Farm agent told me I'd need a separate boat policy for each
> board. Pricey.
The story seems to change from day to day. I was succesful in getting a board
covered under the regular homeowner's policy when I was with Commercial
Union. I have heard stories about people getting into fights with State Farm
over the definition of 'watercraft' which are excluded or limited under many
policies. I saved over $100/year by switching to State Farm and then turned
around and bought a boat owners policy for about $80/year to cover
$5,000-$6,000 worth of gear. My policy is based on dollar value and not on
number of boards. The advantages I get for the $80
- lower deductible (100 vs. 500)
- don't have to worry about a fight over whether boards are covered
- coverage is broader including possibly loss on the water
I send an updated gear list each year. Only the board, sails, sail booms mast
bases, etc. are under the boatowners policy. Stuff like wetsuit and harness
should be covered as sporting goods under a renters or homeowners policy
(although you may run up against the deductible amount there).
I was asked yesterday about which agent I use. It is Darrell Butcher at State
Farm- (415)479-8086
Peter
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