Boat Insurance and Breakdown-Tow Services Recommendations Wanted

[NCLunker]

Buying a new bass boat and wondered if anyone has recommendations on Boat and equipment coverage in North Carolina, plus coverage for breakdown and tow services? Freshwater only of course. I have been researching on what to get coverage on (boat comprehensive vs tackle/electronics, etc) but I am not sure who is better when it comes to claims/service? I have read some horror stories but no recommendations. 

 

Some insurance companies offer additional services such as tow and breakdown. I wonder how good is the coverage considering the dozen of lakes/reservoirs I might fish in NC?

 

P.S. Not sure if this the right forum but it made the most sense to me.

[kjfishman]

Progressive had the best deal for boat and equipment. Can't speak to tow service.

 

[slonezp]

https://www.globalmarineinsurance.com/

These guys will set you up.

You want replacement coverage. 

[Jig Man]

I don’t know anything about companies in your area.  I carry collision, liability, comprehensive, theft, and vandalism on my boat just like on my truck.  Additionally I have a writer on my equipment.

[schplurg]

I wonder how a tow service could even work, logistically. Seems like you'd be waiting for hours and it also sounds expensive.

 

?

[Ppennin986]

I have state farm insurance for everything nice discounts for multi line check with your company you use

[slonezp]

12 hours ago, schplurg said:

I wonder how a tow service could even work, logistically. Seems like you'd be waiting for hours and it also sounds expensive.

 

?

I'm assuming he means if he breaks down on water. There are 2 lakes in northern IL that have official tow services on them, one being Lake Michigan and the other being my home water. Any waterfront dealer/shop should offer tows as well. If I broke down on any small inland lake with no marinas, I'd find someone or call someone to get me back to the ramp.

[VolFan]

I am in NC and also have State Farm. They dont offer tow service on the boat like on cars, but they do have some reimbursement for it depending on yoir policy.

[schplurg]

Insurance paying off a local service makes sense.

 

I remember as a kid my Dad had v-drives (he was a boat mfg so we were always boating) and those old hot boats broke down a lot in general. Someone was always around to help if we needed a tow. Conversely I remember us towing boats as well.

 

Of course there will be times where nobody can help you like that. Thanks for the responses.

[NCLunker]

@slonezp I'm assuming he means if he breaks down on water.

 

Correct. My brother-in-law boats exclusively on Lake Norman (ski boat) so he has a membership with Seatow. Unfortunately companies like Seatow and BoatUS don't appear to cover all of the major lakes in NC; hence my question.

 

Progressives Sign and Glide boat assistance services uses a company called Compass Marine Services. No idea if they are good or not. I hope I don't have to find out the hard way.

 

Regardless I will have some quality marine rope on-board and ready should the need arise for myself or someone else. Thanks to everyone who responded.