[Rhodes22-list] Straw Poll Ocean or Lake

Hank hnw555 at gmail.com
Tue Mar 23 11:18:02 EDT 2010 

The question is whether you want to cover the boat or just have liability.
When I had my rhodes, she was worth only about 4k so I didn't bother with
coverage on the boat.  My homeowners liability covers any type of liability
so I had $1,000,000 covereage there.  The trailer liability is covered by
your auto policy and should not need a rider or anything else.  No one will
sell you just liability for a trailer.

Hank

On Tue, Mar 23, 2010 at 10:59 AM, Alan Robertson <bigal_61 at msn.com> wrote:

> 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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