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#1 | |||
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Senior Member
Join Date: Jun 2010
Location: Crownsville, AA Co.
Posts: 4,152
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So my wife & I are getting our first boat. (Well sorta - a decade or so back we bought a small inflatable (dingy) but it was under-powered for what we wanted to do and we never got to use it as we planned.) We pick up the (brand new) boat Friday afternoon.
So here's my question. I'm of course getting insurance for the boat with Allstate. They offer $1,0000 for emergency services as part of their basic package, but for an additional $10 a year more will bump it up to $3,000 per incident. Yeah, I know, it's only $10 a year, but in reality would I ever use more than $1,000 for emergency services (e.g. towing, etc.)? It's nice to say "more is always better" and of course it is, but then where do you stop? Three grand? Five grand? Ten? No point in getting silly or over-buying. Oh I should hasten to add this is a 20' pleasure boat (pontoon) and we're only planning to stay in the tributaries of the bay or hug the coast along the upper portion of the bay. Yeah, I'm not taking it out in the deep water or the lower portions of the bay. This is a close-to-shore putzing along boat: fishing, swimming, and just being lazy out on the water. Thoughts from those of you more experienced in this than me? (That's not hard.) Thanks.
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Ray Helpful links: NRA Benefactor Life Member SAF Life Member MSI Executive Member MD Designated Collector Non-resident FL CCW (Currently valid in 31 states: AL, AK, AZ, AR, DE, FL, GA, ID, IN, IA, KS, KY, LA, MS, MO, MT, NE, NM, NC, ND, NV, OH, OK, SD, TN, TX, UT, VT, VA, WV, WY) |
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#2 | |||
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The one with two L
Join Date: Nov 2010
Location: SoMD
Posts: 11,186
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A TowBoatUS membership is money well spent.
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#3 | ||
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Member
Join Date: Feb 2013
Posts: 111
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I agree, while the Allstate coverage is probably adequate, Allstate does not have a fleet of towboats, so you will have to pay out of pocket and then get reimbursed from Allstate. Also, if you need a tow on a busy weekend, TowboatUS is going to service their own members before they get to you, so make sure you bring your lunch.
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Member: NRA SAF NYCFGC |
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#4 | ||
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Senior Member
Join Date: May 2008
Location: Pasadena Maryland
Posts: 4,411
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When you call for a boat to tow you, they charge from the time they start their engine until they shut it off at their home pier. Towing a boat is NOT CHEAP!
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#5 | |||
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Senior Member
Join Date: Jun 2010
Location: Crownsville, AA Co.
Posts: 4,152
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I'll check out TowBoatUS. Thanks. I assume that's like AAA on the waves?
Quote:
Thanks all.
__________________
Ray Helpful links: NRA Benefactor Life Member SAF Life Member MSI Executive Member MD Designated Collector Non-resident FL CCW (Currently valid in 31 states: AL, AK, AZ, AR, DE, FL, GA, ID, IN, IA, KS, KY, LA, MS, MO, MT, NE, NM, NC, ND, NV, OH, OK, SD, TN, TX, UT, VT, VA, WV, WY) |
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#6 | ||
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Junior Member
Join Date: Dec 2011
Location: delaware
Posts: 19
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i believe ustowboat, is about $150.00 for the year
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#7 | |||
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Member
Join Date: Apr 2009
Posts: 494
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The question isn't who is going to let me...it's whose going to stop me.... Ayn Rand ![]() ![]() |
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#8 | |||
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OP4
Join Date: Oct 2008
Location: St Mary's
Posts: 9,098
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I have Towboat. $125 a year if you get at the boatshow. It paid for itself two months ago. My engine died permamently about 6 miles south of New Smyrna Beach Fl. The tow to the city marina cost me nothing. The tow captain told me that it would have cost 650 plus without a membership.
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NRA CRSO, Pistol, Rifle, PPITH, PPOTH, RTBAV and MD HQL and W&C instructor. Retired Navy SAMI, SWCC CPO. |
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#9 | ||
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Member
Join Date: Feb 2009
Location: southern dorchester county
Posts: 349
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When you call for a boat to tow you, they charge from the time they start their engine until they shut it off at their home pier. Towing a boat is NOT CHEAP!
I understand which is why I asked the question. But $1K is already not cheap. But would it be over $1K in the area I just described? Thanks all. It sure could be,especially if after dark |
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#10 | |||
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The one with two L
Join Date: Nov 2010
Location: SoMD
Posts: 11,186
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