Tuesday Insurance Questions… Insurance for Boats, Moving Your Insurance to Idaho, Wood Shake Roofs

QuestionMarkToday we are kicking off our new Tuesday Insurance Questions to help answer all of your insurance questions plus anything else you can throw at us. If you have a specific question you would like us to answer send us an email at agent@crosbyandcrosby.com.

Question: What is the best way to get insurance on my boat and what coverages should I choose?

Answer: The days of having to write your boat with a separate company from your home and auto insurance are in the past. The best way to get both the best value and the best coverages for your boat is combining the boat coverage with your home and auto insurance. For example Safeco, Kemper and Travelers all now offer excellent boat coverage for everything from wake boarding boats to bass boats. The best thing is that adding a boat policy may actually give your a discount on your other policies such as auto and home!

A boat insurance policy is going to have several options. You are going to want a policy that offers “agreed value” in the event the boat is destroyed. That is the policy will pay a value that is agreed to on the policy as opposed to a depreciated amount. Don’t forget coverage for the trailer and personal property such as fishing equipment and electronics that you may keep on the boat.

Last but not least you are going to want to discuss your coverage needs for both liability and uninsured boaters coverage. Don’t skimp on the uninsured boaters coverage! Many boaters on the water chose not to carry any coverage and in the event they cause an accident the uninsured boaters coverage will protect your and the passengers on the boat.

Question: I am moving from California to Idaho and need to transfer my insurance. How do I do that?

Answer: Many agencies are to be licensed to do business only in California. Crosby and Crosby is both licensed to write insurance in Idaho as well as having a local office in Boise. If you are currently insured with Travelers, Safeco or Kemper we can help you to transfer your existing California policy to Idaho and maintain all longevity credits that you are receiving. Our phone number in Idaho is 208-366-8366.

Question: I have a wood shake roof and am currently getting cancelled by my current insurance company. What can I do?

Answer: We have written several blog post about wood shake roofs including this one, “The Best Way to Get Homeowners Insurance for a Wood Shake Roof”. If your roof is in relatively good condition and less than 25 years old we can help find you great coverage. You can even quote and purchase online here.

 

Crosby and Crosby Insurance is a leading independent agency for great companies like Travelers, Safeco and Kemper Auto and Home. We are licensed in California, Idaho, Washington, Oregon and Wisconsin.

We can be reached to answer any of your questions at 661-327-5531 or 208-366-8366 in Idaho or you can email us at agent@crosbyandcrosby.com

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