There was some discussion in the chat box regarding insurance and surveys. We are shopping around this year and as our boat is now 20 years old, many insurers are requesting a survey.
So far I have 3 quotes that do not require a survey. This is for a 2002 X, with a declared replacement value of $28000 including trailer and dinghy/motor. The main difference being what is paid out in the event of a total loss.
Skippers Plan, $496, actual cash value.
MD Marine, $846, actual cash value.
Hagerty, $946, full agreed upon value.
Anyone have any experience with these companies? Or have any other suggestions or experiences to share? I wanted to start a discussion here so that any information is readily found for those looking.