[Rhodes22-list] Straw Poll Ocean or Lake
Stephen Staum
staum at earthlink.net
Tue Mar 23 18:41:50 EDT 2010
FYI
I saved 50% (from $300 to $155 per year) by switching from a rider on
my homeowner's policy to Boat US.
Stephen Staum
'87 R22, Carol Lee
Sent from my iPhone
On 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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