Q & A with Yacht Insurance Broker: EVERYTHING YOU NEED TO KNOW ABOUT BOAT INSURANCE [Ep.18]
You’ll want to be armed with this info because it WILL make a massive difference in the broker you work with, the policy you decide on and the amount of $$$ you’ll pay!
Picking out your boat is exciting and fun! You can hardly wait to get out on the water but there’s one really important part left (other than paying for the boat!)………..boat insurance! There’s so much inaccurate and bad information out there it’s really hard to tell what’s true! What policy do we need? What coverages are best for our boat? Our family? Is it ok to live on the boat? What if this is my first boat? The questions are seemingly endless, which is why after receiving so many e-mails, we decided to put together a video with our awesome broker Hugo Hanham (Hanham Insurance Agency), to help pull back the curtain on the cloud of boat insurance and share real, honest information!
Yes, this episode is a bit long, but it’s filled with crucial info and great tips so bust out a note pad and pen and let’s get going! You’re going to have a little homework to do after this one and so will the broker you choose to do business with!
Main topics covered in this video and much more:
1. Three main factors that will determine your premiums
2. What is a boat resume?
3. Find a good broker who will represent you well!
4. Liveaboard or part-time cruising?
5. What's good insurance policy?
6. Policy coverage limits?
7. Will our premium go up if we put in a claim?
8. Do hurricane zones affect our premium?
9. What happens with our policy if our plans change?
10. What is a named storm deductible?
11. Will my premium go down if I don't have any claims?
12. What makes a good broker?
13. What happens with our premium if we decide to sail to Europe and Australia?
14. And the overview
15. Do I need a hurricane plan?
Two Links from our Boat Insurance Broker:
1. The first page is a good guide on things to consider when making a hurricane plan. I find that most first time boat owners think "We will just outrun the storm", so this page I wrote, explains how to correctly think about preparing for a hurricane. It is good content for sure.
https://www.hanhaminsurance.com/hurricane-plans
2. The second page is a simple page to download an example resume that is easy to edit and make your own. I find that with a resume, the less "Fluff" that is on there the better. Just the basics, and this will help boaters....especially first time boat owners or people making a jump in size.
https://www.hanhaminsurance.com/boating-resume
Live With Passion 💕
~ Your Crew: Andy, Maki, Oliver & Lukas
_______________________________________
Instagram: https://www.instagram.com/sailingsvoliluki
Facebook: https://www.facebook.com/SailingSVOliLuki
Subscribe and click on a little bell: https://www.youtube.com/channel/UCAqgweJ0U1NbIIOm30j8i6g?sub_confirmation=1
_________________________________________
Royalty Free Music: https://www.soundstripe.com, link for 20% off when you sign up: https://app.soundstripe.com/referrals/80358
Music Artists on this Video:
Raspeebies by Dresden, The Flamingo: https://app.soundstripe.com/songs/7814
Lucky Number 7 by Dresden, The Flamino: https://app.soundstripe.com/songs/11631
_________________________________________
About Us: We are a family of four from Southern California, (San Clemente) about to set sail in April of 2020. Join us as we document our travel experiences, adventures and uncertainties that come along.
3 years ago we sat down as a family and shared a dream that we all wanted to see come true. A dream that we take a window of time in our lives to do something truly special together, an extended sailing trip, an adventure that would stay with us for the rest of our lives.
Sailing SV OliLuki
It has been said that “life is short”, that "children grow up so quickly”. It’s easy to become trapped in the daily rut of life, working so hard so “one day” we can reach the holy grail of retirement and only then can we truly enjoy life. We believe in dreams, setting goals and making them happen so we can enjoy every precious moment of life, starting right now. We are a family of four, Andy and Maki and our identical twin boys Oliver and Lukas. We decided there was no better time than now to make a change in our lives, sell the majority of the company we started 13 years ago and set sail to share with our children what this incredible world has to offer. Because the greatest gift we can give one another is time and the memories we build together. Join us in the adventures of SV OliLuki as seen through the eyes of our children. Subscribe and Share as we make a positive difference in the lives of others, together.
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You’ll want to be armed with this info because it WILL make a massive difference in the broker you work with, the policy you decide on and the amount of $$$ you’ll pay!
Picking out your boat is exciting and fun! You can hardly wait to get out on the water but there’s one really important part left (other than paying for the boat!)………..boat insurance! There’s so much inaccurate and bad information out there it’s really hard to tell what’s true! What policy do we need? What coverages are best for our boat? Our family? Is it ok to live on the boat? What if this is my first boat? The questions are seemingly endless, which is why after receiving so many e-mails, we decided to put together a video with our awesome broker Hugo Hanham (Hanham Insurance Agency), to help pull back the curtain on the cloud of boat insurance and share real, honest information!
Yes, this episode is a bit long, but it’s filled with crucial info and great tips so bust out a note pad and pen and let’s get going! You’re going to have a little homework to do after this one and so will the broker you choose to do business with!
Main topics covered in this video and much more:
1. Three main factors that will determine your premiums
2. What is a boat resume?
3. Find a good broker who will represent you well!
4. Liveaboard or part-time cruising?
5. What’s good insurance policy?
6. Policy coverage limits?
7. Will our premium go up if we put in a claim?
8. Do hurricane zones affect our premium?
9. What happens with our policy if our plans change?
10. What is a named storm deductible?
11. Will my premium go down if I don’t have any claims?
12. What makes a good broker?
13. What happens with our premium if we decide to sail to Europe and Australia?
14. And the overview
15. Do I need a hurricane plan?
Two Links from our Boat Insurance Broker:
1. The first page is a good guide on things to consider when making a hurricane plan. I find that most first time boat owners think “We will just outrun the storm”, so this page I wrote, explains how to correctly think about preparing for a hurricane. It is good content for sure.
https://www.hanhaminsurance.com/hurricane-plans
2. The second page is a simple page to download an example resume that is easy to edit and make your own. I find that with a resume, the less “Fluff” that is on there the better. Just the basics, and this will help boaters….especially first time boat owners or people making a jump in size.
https://www.hanhaminsurance.com/boating-resume
Live With Passion 💕
~ Your Crew: Andy, Maki, Oliver & Lukas
_______________________________________
Instagram: https://www.instagram.com/sailingsvoliluki
Facebook: https://www.facebook.com/SailingSVOliLuki
Subscribe and click on a little bell: https://www.youtube.com/channel/UCAqgweJ0U1NbIIOm30j8i6g?sub_confirmation=1
_________________________________________
Royalty Free Music: https://www.soundstripe.com, link for 20% off when you sign up: https://app.soundstripe.com/referrals/80358
Music Artists on this Video:
Raspeebies by Dresden, The Flamingo: https://app.soundstripe.com/songs/7814
Lucky Number 7 by Dresden, The Flamino: https://app.soundstripe.com/songs/11631
_________________________________________
About Us: We are a family of four from Southern California, (San Clemente) about to set sail in April of 2020. Join us as we document our travel experiences, adventures and uncertainties that come along.
3 years ago we sat down as a family and shared a dream that we all wanted to see come true. A dream that we take a window of time in our lives to do something truly special together, an extended sailing trip, an adventure that would stay with us for the rest of our lives.
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