Insurance for jet boat with headers
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Insurance for jet boat with headers

  1. #1
    emf
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    Junior Member emf's Avatar
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    Default Insurance for jet boat with headers

    Just found out my progressive ins , will not cover because of headers and exposed engine, what is every one doing , most company's will not cover these boats

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    Senior Member johnf's Avatar
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    I had good luck with Nick Rose for my 78 CENTURION Jet Boat, His # is 661-253-1131

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    Senior Member uniboarder's Avatar
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    If you are selling the boat on CL it goes a 100mph with an engine refresher. If you are insuring the boat just be honest on Horses. I just got a quote from American Family for $238 a year.
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    Senior Member 67weiman's Avatar
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    I use Foremost.

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    Broke Member monstertahiti78's Avatar
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    I use USAA for both auto and boat but the boat policy gets subcontracted through progressive. No issues yet.

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    Quote Originally Posted by monstertahiti78 View Post
    I use USAA for both auto and boat but the boat policy gets subcontracted through progressive. No issues yet.
    You are wasting your money on the boat coverage!
    progessive Does NOT cover boats with over the trans headers or open engines!

    I went round and round with them over this........ don't waste your money. my 02

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    Senior Member xxtremez's Avatar
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    Allstate. No questions asked. I have my auto and homeowners with them. I know several other guys that use them. Insured for amount and reasonable.
    Fo Show

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    Senior Member Fonz69's Avatar
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    Used state farm for my last boat it had ot headers as well and the agent even took pics and sent them to underwriting amd it was approved. One thing he mentioned was there was not many boats in Wi like that so recordable accidents were little to none. If I remember it was about $24 a month

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    Senior Member LuckyDaze's Avatar
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    Quote Originally Posted by Fonz69 View Post
    Used state farm for my last boat it had ot headers as well and the agent even took pics and sent them to underwriting amd it was approved. One thing he mentioned was there was not many boats in Wi like that so recordable accidents were little to none. If I remember it was about $24 a month
    I work for State Farm and I can guarntee that it is not covered. I just went over it with my Underwriters. Your agent most likely pushed it through. I've been trying to find coverage for my boat that I can afford for a week now and I am in the industry.


    Good luck.

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    Senior Member jetboatperformance's Avatar
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    Its all about risk and return on thier (the insurance company's) money , risk being the operative word and critical factor lets face it ins companies are in business to make money not pay it out , so many things enter in the equation and even if one "fudges" or the agent (wink wink) sneaks you in that doesn't necessarily mean you actually have proper coverage nor does it guarantee a claim or policy will be honored depending on the outcome of an investigation . There are innumerable factors and circumstances the actually may let you obtain a policy of some type and to pay premiums , a document that satisfy some obligations such as those required by finance, clubs, some jurisdictions, launch restrictions etc but be aware there's legal language written into to the contract of insurance that protects the maker of the contract ... Example your boat has wet logs you swap to headers someone gets burned , one would likely find the headers weren't permitted . or a boat sinks and when retrieved found to have modifications that were not ever disclosed or permitted ...other things that may affect even getting coverage , age, driving record, marital status, clout with that company or what your "book of business" with a given company is, true horsepower,some modifications and the list goes on.... full disclosure and documentation is your friend ...

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    Junior Member throttle311's Avatar
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    Foremost x2

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    Senior Member TNYoungblood's Avatar
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    I have everything I own through Shelter and they won't touch my jet boats. I was wanting my race boat covered while in tow,theft, or fire in the shop. Everything but actual racing but they won't touch it. Pisses me off!!!!!
    WFLC The REAL #321 Kentucky Drag Boat Association 2016 NJBA 10.0 High Points Champ

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    Senior Member jetboatperformance's Avatar
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    Quote Originally Posted by TNYoungblood View Post
    I have everything I own through Shelter and they won't touch my jet boats. I was wanting my race boat covered while in tow,theft, or fire in the shop. Everything but actual racing but they won't touch it. Pisses me off!!!!!
    Maybe they look at it as giving bail money to a flight risk Mike

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    Senior Member Jetdream'n's Avatar
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    My wife works for State Farm as well. My boat is the only thing I own without some kind of insurance......I still dont understand why the ot headers make a differance???
    Last edited by Jetdream'n; 09-08-2014 at 01:11 PM.

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