[Rhodes22-list] Boat Insurance Fun Facts

[BenCittadino]

Oh happy day.

I just noticed the special "New Jersey" Rider on my policy and am happy to
report that item # 7 in the previous post (marine life damage exclusion)
does not apply to "collisions" with an animal "whether the boat is
waterborne or not", so if I hit a deer while sailing down the NJ Turnpike
I'm covered. Whew!!

Ben

BenCittadino wrote:
> 
> Rhodies;
> 
> Forgive the new subject line but all this talk about boat insurance
> deserves it's own I think.
> 
> USAA doesn't write boater's insurance (at least not in NJ), but they do
> have a general insurance agency that represents Foremost Ins. Co. of Grand
> Rapids, MI which does write a Family Boaters Insurance Policy. 
> 
> In my case it insures my boat, trailer (if I had one), personal property
> and provides towing, personal liability, medical payments, uninsured
> watercraft and a nice little item called "removal of wreck".
> 
> I've searched in vain for some restrictions on where I can sail. There
> aren't any.
> 
> However, here are some fun facts:
> 
> 1- I'm not covered for loss from a nuclear explosion, but I am covered
> from loss by fire resulting from a nuclear hazard.
> 
> 2-If I had a power boat damaged in a race I would not be covered, but a
> sailboat is covered for damage in a race.
> 
> 3-I'm not covered for "mysterious disappearance", whoa!
> 
> 4-Mold and mildew are not covered. (I assume that means on the boat not
> me).
> 
> 5-"Inherent vice" (no kidding) is not covered.
> 
> 6-Weight of water , snow or ice is not covered but if the weight of water,
> snow or ice collapses the building it's stored in it is covered.
> 
> 7-Damage caused by marine life is not covered (Great White Sharks???).
> 
> Read your policy sometime. It's very entertaining.
> 
> Smooth sailing,
> 
> BenCittadino
> s/v Susan Kay (1993, recycled 2008).
> 
> 
> 
> 
> 
> 

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