While we are discussing insurance, a passing car avoided two deer on I80/90, hitting my truck and Lund boat as I was headed to Port Clinton this past Spring. Both total loss, truck covered no problem, no one hurt, but Lund Boat another story. Rather than discuss long details, make sure your boat is covered for “actual retail replacement value”, cost $20-$30 additional. I had “actual cash value” lost a lot of money thinking I was insured for “like” replacement boat.
Just a small tweak on insurance coverage will save you a bunch. My new Lund boat is insured for full retail Replacement value if same scenario happens. ItÂ’s replaced by $$ agreed by insurance company and myself. PLUS all rods reels, electronics,Ulterra, whole shootÂ’n match. (Ie: previous Insurance company insured boat and motor only, no 9.9 kicker, or trolling motor or fish finder.) are now fully insured. Cost was very low.
Lastly, read the fine print, I spent over 1 hour discussing my Erie Lund with agent, coming up with every scenario I could think of, being shown in small print, I’m sufficiently covered. Insurance companies today on “claims“, you are handed over to estimator, many times have no clue on boats, or equipment. Do not know the difference between a Shimano line counter reel or a Zebco reel. Check your insurance policy this winter. Do not repeat my mistake.
My apology for getting off subject....Herk