Glad I got my insurance figured out!

Lucky's

Lucky's

Active Member
May 25, 2010
1,873
Jupiter, FL
Boat Info
2006 320DA w/Black hull;
(2) 2016 3-up Seadoo Sparks
Engines
350 Mercruiser MPI V drives
Looks like some nasty stuff about to hit. Be careful everyone!! Pretty much all of South Florida is under a tornado watch and they just issued a tornado warning for Port Salerno, where my boat is slipped.
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If some of you read the thread I was having problems finding marine insurance I was happy with. Luckily I got a terrific policy with great coverage through Geico, effective as of 12:01 a.m. today!!!!! Whew!! Everyone be safe out there.
 

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How were your new rates compared to up north? I looked around quite a bit and I'm still at $1200 for a $55k value.
 
Man, that is a close call. Looks like 4 more hours to go. Be safe out there, Shaun.

Tornado Warning
Statement as of 3:44 PM EDT on April 04, 2013

... A Tornado Warning remains in effect until 415 PM EDT for eastern
Martin County...

At 338 PM EDT... National Weather Service Doppler radar continued to
indicate a tornado. This tornado was located near Jonathan Dickinson
State Park... or near Hobe Sound... moving east at 25 mph.

The tornado will be near...
Hobe Sound beach and Hobe Sound wildlife Refuge by 350 PM EDT...
off the Atlantic coast south of Port Salerno by 400 PM EDT...

Precautionary/preparedness actions...

If you are caught outside... seek shelter in a nearby reinforced
building.

A Tornado Watch remains in effect until 800 PM EDT Thursday evening
for eastern Florida.
 
I ended up at $1,020.00 annual for 20k agreed value, 0 deductible for total loss including a named storm, 500 deductible for partial loss but it's a vanishing deductible of $125/year with no claim, 50% of all haul out and storage related to any named storm, $2,500 personal property with $50 deducible and I don't remember what the liabilities were but they were comparable with most others. It also includes my dinghy and outboard. More than I was paying in MI but very good coverage and rate compared to what I had been getting down here. We also did home and auto through them and they were cheaper than I was paying in MI for the same coverage.
 
seems odd seeing you post in this section Shaun :wow:
 
Shaun, Get used to this weather, we have it on and off all summer long........:grin: But I'll take it any day over the cold.
 
The differences in boat ownership in the States and here, continues to amaze me. Fuel, marina fees, etc.

$1100 for $85K agreed value, and no doubt most of you would fall over at the value of a 94 330DA here!

Take care with the storm


Sent from my iPad using Tapatalk HD
 
Lucky's said:
I ended up at $1,020.00 annual for 20k agreed value, 0 deductible for total loss including a named storm, 500 deductible for partial loss but it's a vanishing deductible of $125/year with no claim, 50% of all haul out and storage related to any named storm, $2,500 personal property with $50 deducible and I don't remember what the liabilities were but they were comparable with most others. It also includes my dinghy and outboard. More than I was paying in MI but very good coverage and rate compared to what I had been getting down here. We also did home and auto through them and they were cheaper than I was paying in MI for the same coverage.
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From what I gather it's really a Florida thing. I called a couple agents that were posted here on CSR which are stationed in the NE and they wanted almost $2,000.
 
susanandlance said:
Shaun, Get used to this weather, we have it on and off all summer long........:grin: But I'll take it any day over the cold.
Click to expand...

I was not aware of the tornado being a regular thing for the area.
 
susanandlance said:
Shaun, Get used to this weather, we have it on and off all summer long........:grin: But I'll take it any day over the cold.
Click to expand...

Quite honestly, I am okay with it. We had severe storms with tornadoes in Michigan quite regularly. I was just very grateful that my insurance policy became effective today when I saw the storms rolling in!


Shaun
Sent from my iPhone
 
Well......welcome to Florida!

Tornados are always possible from thunderstorms with low pressure and high winds along the coast. One thing we have learned is that you cannot trust any weather forecasting source that sells advertisements and that the land mass plays a huge roll in the weather. Our house is on the beach and we find the local weather to be less than 50% accurate and the Weather Channel always wrong. If the weather is important to the day's activities, then we rely on the 0-20 miles out marine weather.
 
susanandlance said:
Shaun, Get used to this weather, we have it on and off all summer long........:grin: But I'll take it any day over the cold.
Click to expand...

+:thumbsup::thumbsup:
 
fwebster said:
Well......welcome to Florida!

Tornados are always possible from thunderstorms with low pressure and high winds along the coast. One thing we have learned is that you cannot trust any weather forecasting source that sells advertisements and that the land mass plays a huge roll in the weather. Our house is on the beach and we find the local weather to be less than 50% accurate and the Weather Channel always wrong. If the weather is important to the day's activities, then we rely on the 0-20 miles out marine weather.
Click to expand...

I noticed that today as we had that tornado warning and we never had what I would call severe weather. It barely rained and no wind during a "tornado warning". Anyways, Frank, you were right. Drivers licenses and plates really were a pain in the neck. However, we now currently have FL licenses and all our goodies are registered and insured so we are all legal and settled!! That probably was the worst part of the while move. Glad it's behind us.


Shaun
Sent from my iPhone
 
I guess the next obvious question would be, how do you protect your boat from a tornado? I would think that this is much different than a hurricane. If tornado makes a touchdown in a marina, it'll be torn apart. So, it appears to me that the only way to save the boat is to move it to a safe location. Do you guys just take chances or do you move the boats?
 
You usually don't have time............We had one come through a few yrs ago, looked like a 747 landed, cutting a path as wide as one, crossed a 4 lane road, flattened a big church to it's foundation, the path was approx. 1/2 to 1 mile long, everything flattened to the ground.
 
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Is there such thing as "tornado season" in FL? I only know of hurricane season. Or do these events occur in the same well known hurricane season? This one was kind of early, though. Shouldn't it start in June?
 
In west central florida (Tampa Bay area) we do get some tornadoes although 99% are less than F1's. I think we get more water spouts than tornadoes but we do get them. Hurricanes are really our biggest threat though. Oh yea, we are considered the lightning capital of the world too!
 
Alex F said:
Is there such thing as "tornado season" in FL? I only know of hurricane season. Or do these events occur in the same well known hurricane season? This one was kind of early, though. Shouldn't it start in June?
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I have lived here for 18 years and never heard of a "tornado season" we get warnings of them now and again but fortunately (fingers crossed) we don't seem to hear of too many that do an awful amount of damage, although they can. Hurricane season does start in June and end at the end of November but that's not cast in concrete either. Hurricanes were the reason we picked the section of the West Coast we live on because of it's track record to date, (fingers crossed) which is better than most any where else here. Just hope they stay away altogether from everywhere not just FL:)
 
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