Ronnie
Jetboaters Fleet Admiral
- Messages
- 8,775
- Reaction score
- 12,185
- Points
- 667
- Location
- SF Bay Area
- Boat Make
- Yamaha
- Year
- 2010
- Boat Model
- Limited S
- Boat Length
- 24
I’m late on this but think I have some value to add to this thread.
In 2008 I had my truck/tow vehicle, boat, trailer, and everything in them/on them were stolen. Insurance covered but I was forced to learn a lot before and after they did. As a result went all in on security items, even a subscription to mobile drone. Here are some pics of the things I bought or do to make my rig less desirable to would be thieves.
Now that I’m older (wiser?) I only use and do what I need to depending on the situation. If I’m going to be away from my tow vehicle and trailer for a few days I use everything I’ve got to secure them. I even put beads of weld on the ends of the bolts that are used to mount the winch and boat buddies/buckles (not pictured). At the same time when I get to the guest dock, I lock the boat down before I hit the hotel and usually visit it before bed. This includes the anchor locker, swim deck / clean out plug cover, ski locker, head and helm (not pictured) We’ve gotten into people watching while drinking wine on the boat at the dock. The other extreme being when the boat is sitting on the side of my house, I don’t lock anything down.
Insurance: Let me tell you about that. I had boat U.S. at the time And was paying about $300 per year for it. The filing of the police report and claim starts the clock. My auto was covered by aaa, if the vehicle was not recovered within four weeks they were going to declare it a total loss and pay me for it. The vehicle was found in three weeks but the cost to repair it had aaa declare it a total loss and paid me the market value plus the sales tax on the same.
The boat and trailer: Boat us follows a six week Unrecovered/pay out policy. I was paid out under a stated value policy (I.e., the values I stated (purchase price) when I bought the policy plus sales tax on the same). They maxed my payment out on the personal items (vests, tubes, boards, etc) at $1,500 the policy limit and had me send in as many receipts and pics of the items as I could. So yes insurance covered but I had to be patient which was tough because it was the beginning of the Summer and I was boatless. If given the choice of prevent theft v. Making a claim on one, I’m going for the former every time. Now I purchase angler / fisherman’s coverage to cover the upgrades to the boat. I could not increase the coverage on the personal items. Now I pay around $700 per year for insurance but I had a fe other claims since so the cost is not a surprise at all. I’m glad boat us is still willing to insure me.
Things to consider. If some one steals your clean out plugs you effectively have an awesome and expensive raft. If something happens to your trailer or tow vehicle while you are boating you are in for a totally different day than you expected. Trailers are expensive and the cheap ones even more so after updgrades and repairs.
In 2008 I had my truck/tow vehicle, boat, trailer, and everything in them/on them were stolen. Insurance covered but I was forced to learn a lot before and after they did. As a result went all in on security items, even a subscription to mobile drone. Here are some pics of the things I bought or do to make my rig less desirable to would be thieves.
Now that I’m older (wiser?) I only use and do what I need to depending on the situation. If I’m going to be away from my tow vehicle and trailer for a few days I use everything I’ve got to secure them. I even put beads of weld on the ends of the bolts that are used to mount the winch and boat buddies/buckles (not pictured). At the same time when I get to the guest dock, I lock the boat down before I hit the hotel and usually visit it before bed. This includes the anchor locker, swim deck / clean out plug cover, ski locker, head and helm (not pictured) We’ve gotten into people watching while drinking wine on the boat at the dock. The other extreme being when the boat is sitting on the side of my house, I don’t lock anything down.
Insurance: Let me tell you about that. I had boat U.S. at the time And was paying about $300 per year for it. The filing of the police report and claim starts the clock. My auto was covered by aaa, if the vehicle was not recovered within four weeks they were going to declare it a total loss and pay me for it. The vehicle was found in three weeks but the cost to repair it had aaa declare it a total loss and paid me the market value plus the sales tax on the same.
The boat and trailer: Boat us follows a six week Unrecovered/pay out policy. I was paid out under a stated value policy (I.e., the values I stated (purchase price) when I bought the policy plus sales tax on the same). They maxed my payment out on the personal items (vests, tubes, boards, etc) at $1,500 the policy limit and had me send in as many receipts and pics of the items as I could. So yes insurance covered but I had to be patient which was tough because it was the beginning of the Summer and I was boatless. If given the choice of prevent theft v. Making a claim on one, I’m going for the former every time. Now I purchase angler / fisherman’s coverage to cover the upgrades to the boat. I could not increase the coverage on the personal items. Now I pay around $700 per year for insurance but I had a fe other claims since so the cost is not a surprise at all. I’m glad boat us is still willing to insure me.
Things to consider. If some one steals your clean out plugs you effectively have an awesome and expensive raft. If something happens to your trailer or tow vehicle while you are boating you are in for a totally different day than you expected. Trailers are expensive and the cheap ones even more so after updgrades and repairs.
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