Anyone insure their ski?

Crab

Crab

thanks darin...noswad!
Location
Seattle
I just got mine done with Allstate for 90/yr, based on $7000 value.


AA-Liability: $100,000
CC-Medical Pay: $10,000
TT-Physical Damage Deductible: $500
Coverage: $7,000
 
OCD Solutions

OCD Solutions

Original, Clean and Dependable Solutions
Location
Rentz, GA
How do you establish what replacement cost will be in the event of a claim? Is it based on year/make/model or do you tell them what it's worth? ie) provide them with receipts.
 
Crab

Crab

thanks darin...noswad!
Location
Seattle
yamaslut said:
no kidding???? damn, that's worth it!!!

I'm gonna check USAA. That's who covers my vehicles and they are the best insurance company I have dealt w/.
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Yea, figure I got so much invested in the boat, if I loose it going to Cali or it gets stolen its worth it. Not to mention the liability if something ever did go wrong......:crazy:
 
Crab

Crab

thanks darin...noswad!
Location
Seattle
Boykid88 said:
How do you establish what replacement cost will be in the event of a claim? Is it based on year/make/model or do you tell them what it's worth? ie) provide them with receipts.
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Reciepts and lots of good pictures. (or they could give me a new 09)
 
OCD Solutions

OCD Solutions

Original, Clean and Dependable Solutions
Location
Rentz, GA
That's awesome. I just built up my 07 and I would love to get it insured. Just didn't think it was feasable.

Is that combined with your house/vehicle insurance or a stand alone policy?
 
Crab

Crab

thanks darin...noswad!
Location
Seattle
Seperate policy, but I have about 8 cars with them and the home as well. Interesting thing, if you had a boat in your shop that is insured, the boat must be insured seperatly for it to be covered in the event of a fire.
 
oxnard111

oxnard111

Creative RE Purchasing
Location
so Cali, Ventura/Oxnard area
crab said:
Seperate policy, but I have about 8 cars with them and the home as well. Interesting thing, if you had a boat in your shop that is insured, the boat must be insured seperatly for it to be covered in the event of a fire.
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ya, i was told by someone that anything that is registrable on its own has to be on separate policies in order to be covered...

for example you ski catches on fire in your garage/driveway, you can't make a claim on your homeowners policy.
 
OCD Solutions

OCD Solutions

Original, Clean and Dependable Solutions
Location
Rentz, GA
crab said:
if you had a boat in your shop that is insured, the boat must be insured seperatly for it to be covered in the event of a fire.
Click to expand...

Also, tools that you make a living off of must be covered seperately as well. Personal tools are covered but anything tied to a business or other income must be insured seperately as well.

Thanks Crab, I'm going to call my agent tonight and get at least a few of my skis insured. Now to decide which ones to get insurance on...
 
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slickchaos

slickchaos

Chaos on a SJ
Location
Mass/NH
I use progressive but they specifically ask for a list of modifications as well !

and not to mention is pretty fair priced..


covered for theft, liab, trailer and osmething else..

but its around 14 bucks a month , around 250 a year
 
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OCD Solutions

OCD Solutions

Original, Clean and Dependable Solutions
Location
Rentz, GA
In Alberta Canada, if you had modified anything on the ski then it was not eligible for insurance, period! An aftermarket impellor was considered a modification. Stock ski cost $350/yr for coverage.

In British Columbia, Canada, mods were allowed but theft would only be covered if they were stolen from inside a locked building and they were locked again somehow. Locked and Locked as they worded it. Coverage for a stock ski was $350-$650/yr

I will likely only do the two biggest built skis.
 
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