[Rhodes22-list] Straw Poll Ocean or Lake
Alan Robertson
bigal_61 at msn.com
Tue Mar 23 10:59:48 EDT 2010
Check with your agent if you can get a RIDER to your HOMEOWNERS POLICY (property damage) covering boat and trailer. We did. Some companies underwrite this, others don't. We save 40% doing so as compared with a separate boat & trailer insurance policy.
bigal
----- Original Message -----
From: gbettoney at sbcglobal.net<mailto:gbettoney at sbcglobal.net>
To: The Rhodes 22 Email List<mailto:rhodes22-list at rhodes22.org>
Sent: Monday, March 22, 2010 3:21 PM
Subject: Re: [Rhodes22-list] Straw Poll Ocean or Lake
We insured with Boat/US for decades, and they always paid promptly. Including coming out very soon after Hurricane Ike, taking one look at our smashed boat, declaring it a total loss and sending us the check.
Cathy
--- On Mon, 3/22/10, Ben Schultz <benonvelvetelvis at theskinnyonbenny.com<mailto:benonvelvetelvis at theskinnyonbenny.com>> wrote:
From: Ben Schultz <benonvelvetelvis at theskinnyonbenny.com<mailto:benonvelvetelvis at theskinnyonbenny.com>>
Subject: Re: [Rhodes22-list] Straw Poll Ocean or Lake
To: "'The Rhodes 22 Email List'" <rhodes22-list at rhodes22.org<mailto:rhodes22-list at rhodes22.org>>
Date: Monday, March 22, 2010, 1:51 PM
I would suggest that you ask your insurance companies about policies that do
not cover hurricane-related damage. We are fortunate to be able to trailer
our boat and get out of a named storm's way, and I think we could usually
improve our rates quite a bit with non-hurricane coverage. Post-Katrina,
it's the only type of policy that I could get.
-----Original Message-----
From: rhodes22-list-bounces at rhodes22.org<mailto:rhodes22-list-bounces at rhodes22.org>
[mailto:rhodes22-list-bounces at rhodes22.org] On Behalf Of Arthur H. Czerwonky
Sent: Saturday, March 20, 2010 21:57
To: The Rhodes 22 Email List
Subject: Re: [Rhodes22-list] Straw Poll Ocean or Lake
Mike,
Do you use BoatUS? Do you think you would be prevented from Florida of
points south in the winter - perhaps just redefine the locations.
Art
-----Original Message-----
>From: "Michael D. Weisner" <mweisner at ebsmed.com<mailto:mweisner at ebsmed.com>>
>Sent: Mar 20, 2010 11:05 AM
>To: The Rhodes 22 Email List <rhodes22-list at rhodes22.org<mailto:rhodes22-list at rhodes22.org>>
>Subject: Re: [Rhodes22-list] Straw Poll Ocean or Lake
>
>Art,
>
>The only item in our policy about Nov 1 is a specification of partial year
>liability insurance since most LIS sailors "layup" from Nov 1 through Apr
1.
>It reduces the cost since only the property provisions are in force at
these
>times.
>
>Mike
>s/v Shanghai'd Summer ('81)
>Nissequogue River, NY
>
>From: "Arthur H. Czerwonky" Saturday, March 20, 2010 10:52 AM
>> Mary Lou,
>>
>> My BoatUS policy, perhaps the only really good unsuring agent, has
>> 'coastal and inland waters' specified in one paragraph of the policy, and
>> I had to insist on this definition in a re-write of my coverage - this
>> being my recommendation. I have never noticed caveats re Nov 1st, etc.
>>
>> My first cruising goal is the Chesapeake!
>>
>> Art
>>
>>
>>
>>
>> -----Original Message-----
>>>From: Mary Lou Troy <mtroy at atlanticbb.net<mailto:mtroy at atlanticbb.net>>
>>>Sent: Mar 20, 2010 10:42 AM
>>>To: The Rhodes 22 Email List <rhodes22-list at rhodes22.org<mailto:rhodes22-list at rhodes22.org>>
>>>Subject: Re: [Rhodes22-list] Straw Poll Ocean or Lake
>>>
>>>Art,
>>>Chesapeake is definitely coastal but we have some of the lowest
>>>insurance rates of any coastal area due to the somewhat benign
>>>conditions (mud, no rocks, well marked for navigation, good weather
>>>prediction, the hurricanes are tropical storms by the time they get
>>>to the northern Bay, etc., etc.) Our insurer is Boat US and if I
>>>recall correctly they ask where we sail not if it's lake or coastal -
>>>they make the determination. I do know that a lot of the distance
>>>cruisers stick around up here and don't venture south until Nov. 1 to
>>>keep their insurance companies happy.
>>>
>>>Mary Lou
>>>
>>>At 10:21 AM 3/20/2010, you wrote:
>>>>Ron,
>>>>
>>>>I suspect the better choice comparison in this debate is lake and
>>>>coastal, both of which are game for our R22. I have also found that
>>>>insurance underwriters are very sensitive to the issue - they prefer
>>>>the 'lake' definition, although they will include 'coastal and
>>>>inland' if you press the issue and are a legit fiscal conservative
>>>>like Stan. I'm not sure about Lee, the army guy that owes me a
>>>>lunch, bigtime...
>>>>
>>>>I'm not sure the Chesapeake would really fit in the insurance
>>>>definition as a 'lake', so at risk of stirring a hornet's nest,
>>>>which I never ever do, our colleagues on Chesapeake Lake might so
>>>>validate their insurance coverage definition, just to cover their
>>>>six. LIS sailors might do likewise - Pugit Sound to boot. Just an
>>>>ounce of prevention.
>>>>
>>>>Re the 'ocean' option, I have never had to venture beyond coastal,
>>>>probably never will care to. We have such beautiful options in
>>>>Florida for trailing/sailing, I even question the necessity for
>>>>Bahamas, although Bill Wittman had his spectacular Bahama
>>>>Adventure. San Juan sailing would be perfecto, although a long way
>>>>to trail from EC. Chris the Greek has sailed the Pacific Coast, so
>>>>I wonder if he would venture on a N-S cruise to a San
>>>>Diego/LA/Catalina destination. I have speculated on an Everglades
>>>>to Brownsville extended via the coastal waters, although any
>>>>extensive cruising would have to be alot more fun with 2+ boats,
>>>>also much safer and more confident.
>>>>
>>>>I wonder if many of stretch our options with the R22 to anywhere
>>>>near our capabilities. I have greatest admiration for the Kellers
>>>>of RichmondHillTown fame with their determined anchoring cruises out
>>>>of Punta Gorda. I am convinced that they have a ball!
>>>>
>>>>Frankly, my most prime objective with the BR has been to prove-in
>>>>the potential of stratching beyond day-sailing in this magnificent
>>>>boat. Many have no interest in this, but all of us, including those
>>>>we pass our boats to someday, will have the honest capability.
>>>>
>>>>Art
>>>>s/v Mary Jane
>>>>Lake Hartwell
>>>>
>>>>
>>>>-----Original Message-----
>>>> >From: Ronald Lipton <ronald.lipton at gmail.com<mailto:ronald.lipton at gmail.com>>
>>>> >Sent: Mar 19, 2010 2:52 PM
>>>> >To: The Rhodes 22 Email List <rhodes22-list at rhodes22.org<mailto:rhodes22-list at rhodes22.org>>
>>>> >Subject: Re: [Rhodes22-list] Straw Poll Ocean or Lake
>>>> >
>>>> >I sail on Lake Michigan, not the usual placid lake. The weather can
>>>> >change quickly and
>>>> >there can be serious waves. The adjustments on the Rhodes allow a
much
>>>> >safer ride when out in challenging conditions.
>>>> >
>>>> >Ron
>>>> >
>>>> >E.Andler wrote:
>>>> >> Hi all:
>>>> >> I'm curios, how many people sail their R 22's on lakes, and how many
>>>> >> in
>>>> >> the ocean (not Blue Water) bays and coastal areas?
>>>> >> Stan what was your original thoughts when you had the boat designed
>>>> >> way
>>>> >> back when?
>>>> >> Did you envision the R22 to be used mainly in lakes or oceans?
>>>> >> Thanks for the info
>>>> >> Ed
>>>> >>
>>>> >>
>>>> >>
>>>> >> __________________________________________________
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