June 23, 2010
Premium Boat
when you get boat insurance what value does insurance company insure up to.?
if your boat is worth 20000 dollars and insurance company ask what is trailor worth along with boat and you say 35000 dollars. I am paying on that premium and someone told me if boat is stolen the insurance company want pay on what i am paying on. is this true and I am paying for more insurance than I should be . Thanks for answers.
You get actual cash value less your deductible, UNLESS you have AGREED value, then you get the amount you agreed upon but I bet they will make you prove the amount - Not many companies will do agreed value anymore. Most will do STATED value which is actual cash value UP TO the amount stated on the policy. If the actual cash value is more than the stated value, you only get the stated value.
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Filed under Anchoring & Docking by on Jun 23rd, 2010. Comment. 
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