I have been using Boat US for the past 5 years. Now with the new M/C this year I want to make sure they are competitive with other options. I have never had to make a claim (knock on wood) so I don’t have anything bad to say about Boat US.
I just insured mine through the agent who handles my car and house. (Apparently I now have a yacht because of the horsepower but the rate was still good)
I got a quote from my homeowners/auto insurer and it was crazy high! More than double what I ended up getting it for through Marine Underwriters for the same coverage.
Big E I got 3X the coverage plus a higher agreed replacement value on my boat for the same price as my current Skisafe policy. SkiSafe is competative but not the best value and coverage.
I have gone through them quite a bit, and they always are cheaper when comparing apples to apples. Some will seem like they are beating the price, but in reality your getting less coverage. Glad it worked out for you.
I've got Boat US however I'm not sure how they compare with some of the others. The one thing that does jack me up about them is you also have to get their annual membership (about $15 minimum) in order to keep your insurance with them. Is it me or is this just stupid. I realize it isn't much but WTF. I'm not completely sure what it provides other than getting their lame magazine and an opportunity to spend money at Boat US/ West Marine. I would rather have them hide this cost in their insurance bill so I don't know their jamming me.