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Hydrohoist insurance
#14754409
06/19/23 08:38 PM
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Joined: May 2019
Posts: 301
JAlfred
OP
Angler
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OP
Angler
Joined: May 2019
Posts: 301 |
Many companies offer boat insurance. I am looking for boat lift insurance. Based on the comments in this forum, I contacted World Wide Marine. I was told by World Wide Marine that they have no way to cover boat lifts.
Please comment if you are willing to share your knowledge/experience on this issue.
Thanks
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Re: Hydrohoist insurance
[Re: JAlfred]
#14756797
06/22/23 12:25 AM
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Joined: Nov 2014
Posts: 23,580
SteezMacQueen
TFF Guru
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TFF Guru
Joined: Nov 2014
Posts: 23,580 |
Eat. Sleep. Fish.
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Re: Hydrohoist insurance
[Re: SteezMacQueen]
#14757201
06/22/23 02:05 PM
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Joined: May 2019
Posts: 301
JAlfred
OP
Angler
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OP
Angler
Joined: May 2019
Posts: 301 |
I appreciate the suggestion. I've tried the home owners route and gotten 3 responses: (1) it's covered as personal property with maximum of $26K, (2) answer 1 was wrong, but it's covered as a boat "furnishing" with maximum of $1500, (3) answers 1 and 2 were wrong, we can't tell you if you have coverage until you file a claim. I filed a claim. Still waiting.
I think the boat furnishing answer is pure BS.
Ideally, I'd like to include the lift in my boat policy, but have not found any carriers with this option.
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Re: Hydrohoist insurance
[Re: JAlfred]
#14757885
06/23/23 03:37 AM
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Joined: Aug 2004
Posts: 4,541
Duke 22
TFF Team Angler
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TFF Team Angler
Joined: Aug 2004
Posts: 4,541 |
We have it on our house at PK, It is actually a rider attached to our homeowners policy, so no your homeowners policy doesn't cover it directly but depending on your carrier you can add it as a rider.
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Re: Hydrohoist insurance
[Re: Duke 22]
#14758018
06/23/23 01:06 PM
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Joined: May 2019
Posts: 301
JAlfred
OP
Angler
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OP
Angler
Joined: May 2019
Posts: 301 |
Thanks for the suggestion, I'll give it a try.
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Re: Hydrohoist insurance
[Re: JAlfred]
#14764763
06/30/23 02:23 PM
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Joined: May 2019
Posts: 301
JAlfred
OP
Angler
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OP
Angler
Joined: May 2019
Posts: 301 |
After getting three different responses from my homeowners company, the last one of which was: You will have to file a claim to find out. So I did file a claim on my boat lift that was totalled in a storm in May. Yesterday, I was told that the boat lift was covered as "other structures" not personal property. The settlement was for the cost of a new lift less the homeowners deductible.
Coincidentally, I received a private message yesterday from a fellow member of TFF that the lift should be covered under other structures and offered to look into it for me. Many thanks to that member for reaching out.
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