[quote=arch]i just remembered (senior moment timing!) that my previous insurance company (before Allstate) was Foremost, which i got thru my Farmers Insurance Group agent. it was reasonably priced and excluded racing also.
story time: (yawn...) one of my previous nacras was flipped into the lake in a freak storm at 2am (not anchored to the beach), bent mast, broke rudders, scratched/gouged one hull. they covered me due to 'an act of God'. they had no idea of the value of my boat so i started showing them the prices of 5-6 that were for sale around that time. the longer i looked, the higher the prices climbed!(odd) i think they got tired of me and just paid what i was asking, which in the end, took care of all the parts and repairs. it was less than the amount i was insured for, but i shot high on the quote anyway just to be sure.
Foremost had to pass the baton a couple of times to find someone with a little 'boat experience' but he turned out to be very reasonable, knowing his company time wasn't worth fighting for $1,000 bucks or so.
moral of the story.........tie down the boat. :roll:
j[/quote]
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