TOP FIVE 35 FOOT SAILBOATS, AND INSURANCE - EP 214 - Lady K Sailing 

Leave a comment with your boat, year, and who you were able to insure with

I have a 1983 Catalina 36 MK1, and I'm insured through Progressive. I pay $1150 a year for $500k liability, comprehensive, and some other coverages - I added the coverage for towing, jump starts, fuel for the extra $30 (for a little over $0.50 a month that seems worth it). BTW: My boat is moored along the Connecticut River.

I personally went and looked at the PS 37 in Redwood City. It was indeed only worth 22K. It needed re-powering, new rigging and sails if you intended to actually take into the Ocean. Puttering around the SF Bay would have been fine but the previous owner was a live abort and didn't sail much. He had moved to Seattle and needed to dump the boat.

I made voyages on my 34 and 35 foot boats. I never thought of insurance. I had no broadcast radios, and GPS didn't exist. I knew a few yachties who disappeared at sea in the late 70s. If the sun and horizon weren't visible, we became increasingly uncertain as to our position. We had no way of knowing what the weather would bring. Aside from having good charts, we might as well have been sailing centuries earlier. Sometimes the charts weren't so good, either. The positions of the atolls of the NW Pacific weren't known with any great certainty, and the currents are strong and erratic there. These factors led to some harrowing experiences.

This is quickly become one of my favorite sailing channels. The topics are great and the information is outstanding. YT is usually pretty far off when recommending channels but it nailed it right on the head this time.

After reading the comments, I'm thinking I have a great bargain on liability insurance: - 1988 Island Packet 38, cruised between FL and ME - Liability only: 300k / Fuel Spill $1M / Uninsured Boater $300k - Towing & Assistance $3k / incident - Cost went from $380 annually in 2021 to $452 in 2022 - Ive had this policy with BoatUS/Geico since 2001 with no claims Blackheart Charlie s/v Aurora, Key West

Thanks. We (kiddo and I) are starting our journey to become sailors. Your channel is very helpful

1983 - Bristol 35.5CB - Progressive. This is a sweet boat, loads of beautiful interior wood work, shallow draft with the center board up, does great in both light and high wind, and fairly fast too. Rock solid construction. Galley is a bit small, but the 1984 version has a larger U-shaped kitchen.

Interesting as we just recently went through this insurance drill because our marina required we have a $1M both liability & accident. After I spent a day talking to a lot of insurance companies, my husband got our State Farm Agent to insure my 1984 O’Day 34. I was at the time talking to The Hartford, who I think was going going to insure me. It was my last call. I’m in Virginia on the Chesapeake Bay.

State Farm offers cruisers insurance on most vessels subject to only two caveats: You are only insured in the US and Bahamas waters or on routes between, and that your boat is strictly non-commercial. There is no restriction on when you have to be where, so you don't have to relocate for hurricane season if you don't want to. Rates are usually between 1% and 1.5% of the limits of liability annually. I don't yet have a boat, I'm shopping, but that is the gist of the info I got from my insurance agent.

Have '84 Catalina 30 (4th sail)(project, not bought that way, but on my bucket list). Insurance USBoat, Liability 300/100k only just over $100 per year. Patron, keep up good work Tim = best on utube or anywhere else I've found and have looked around a lot.

Ive positively commented on 1 other vid of only a few ive seen from you. The more vids i see of yours the more i wish you well & apreciate your insights. I feel your info is efficient, important/informative & entertaining & straight forward/honest. Thank you soooo much 👍👏👏👏 please dont get wrapped up in "societal/company/politically correcf/woke remarks for $$ makeing. Keep it 3rd person perspective honest & real/down to earth & encourageing to get ppl to sail as ive concluded thus far that you have. Bravo Zulu - job well done 👍👍👍👏👏👏😄🦀🐠🦐🐚🐠🦞🎈

1978 C&C 36 progressive insurance ,thanks for the content,I enjoy the knowledge

I have a 1973 Allied Princess 36 with agreed value hull coverage insured through AIG Private Client Group. You guys with the new boats have it easier. Last Spring I sold my 1936 woody which also had agreed value coverage through AIG.

Great job!

Ours is a 1978 Islander Freeport 41. We are insured through Progressive Insurance Co.

This was sometime back but I wasn’t sure if their boats US it was a very good policy that had a lot of international coverage. In the 1990s and ran about $300 a year I bought the boat to Catalina 30 and they even supplied me with a survey.

Cal 20 - 1964, rider on my home insurance for “toys” for just liability. It’s a very cheap boat, but just needed insurance for the marina. Cost me $40 a year. :). Company is Mutual of Enumclaw. Boat is in the Pacific Northwest.

I've got insurance on a 1977 Hunter 27 that's on the US side of Lake St Clair through Progressive, and State Farm originally covered the boat. It wasn't a problem at all, though it probably helps that the boat is paid off.

Thanks for including the PDQ 36, a wonderful boat, would prefer two 15hp high thrust Honda outboards with 25 inch shaft.

2005 Catalina Capri 22 - Progressive I live in Iowa so she’s only used half the year. We’re also confined to an inland lake that is relatively small. $180 / year

1981 Tartan T37C: Chubb Ins. Good episode. Thanks.

1977 C&C 26, Insured with Forward Insurance. $2MM in liability, moored in Midland, Ontario, premium is $227cdn/year

Whooo! Way to go Greg!

Still digging my Pearson 35 and love the fact I can get shallow if I need to.

Missing a Tartan 37. Very capable. Always on the market

1981 Catalina 30, in Michigan. Originally had BoatUs/Geico when purchased in fall 2019. Last year switched to State Farm.

18 foot Lund with a tiller 50 hp Honda, bought new in 2017(?), insured through Progressive (was sent there by USAA who insures my car). This is the boat I use to get back and forth between Ketchikan and my off grid property I’m building a tiny cabin on in the Inside Passage. Yes, I’ll be needing a bigger boat, Chief; especially since I want to do the Loop and the cross over and spend a summer or more in the Mediterranean, Adriatic, Black Seas….. I didn’t want to subscribe until you answered at least one of the questions I had…. but there is too much on your channel,I think I need to….

1974 C&C 33 MKI, Insured in Ontario, Canada, was fairly easy through NauticLife / Aviva.

I am seriously considering that PDQ!

1986 Bristol 43.3. Geico canceled us because of age and size. Novamar found us a policy but we have to have an out of the water survey within a year or they won't renew. A number of insurers have said they can help when we have a good OoWS.

Awesome video. 35 Feet is right about where I want to be.

I have a Beneteau Oceanis 350 1989, second owner picked her up in 1995, sailed 7200 nm on her all the way up too Bangor Maine down too the Cape. She is the owners version with the shoal 4’ draft wing keel 28 hp Volvo 21 gallon tank, only have 750 hours on her engine. Installed a fresh water back wash for the through hull so I also layup the engine every time , so no growth in the heat exchanger and corrosion down to a minimum in the Elbow, installed a 120amp alternator and an 8D and 4d and starter battery and 85$ hand crank, which I had too use once. It was hard but it worked. Basically my summer house, turned my boys too men. She is on the hard in Greenport, planning her refit. She has air, Frdge , two Freezers, we would take off the Month of August, and plan our trips, she is a very fast boat and points real high. Have been in ruff seas where waves broke at my lower spreaders. The item that we would always run out of is water, water makers at the time very expensive, so that will be part of the refit, a solar arch, and soft solars for the dodger and Bimini, State Farm is my insurance, I was a pilot before plus took my six pack in the day, crewed the liberty cup race for the American Team, as well as other races too Bermuda when I was Young BC (before Children) tactics came real a few times running from weather north of Province, it was so bad I was beating Carvers, was almost planning her with her rails in the water on the aft port beam reach from hell doing 12 knots running away from a Green storm , which later produced water spouts. Yup that is 5 above hull speed but she was all out of the water wear her winged keel and a bit of the hull was in the water with no helm was steering with the sails. Could have sailed to Chicago that day the leeward side was so hard it was like concrete and her pitch and yaw stayed firm like she was a gyroscope, going up and down the following seas with all of the same angles the sails where flying her. Often I did the Wednesday night races in the sound when we kept her in Huntington. We always wanted too cruise more in the Chesapeake, and always the Caribbean , without a water maker a big Nojoy. Now with just the wife, was thinking of refit then make a try in our retirement.. Bravo Zulu on your Channel.

Tim love your show. We have The ultimate true 35 best boat ever for 2 people that’s a floating condo and sails fine for us. Check out the Catalina 350. Several serious differences that make it amazing including a pedestal V berth with a real inner spring mattress

My ancient, worthless, piece of junk, slower than a petrified sail, but man do I love it 1974 Coronado 23 is insured through Progressive. The cost was reasonable. I sail mostly in a lake in Georgia. Good episode. Thanks, man.

1986 Pearson 303, Geico (Boat US), about $750 / year; 1 million liability and $20K agreed value. Berthed in Warwick, RI. We insured that starting in 2018. This past Spring, I asked them about insuring a 2001 Jenneau Sun Odyssey (it would have been 21 years old at the time) for 90K. They told me the price was just a bit above the top they would allow on a boat of that age. In the end I didn't buy it anyway, but it's a data point I guess.

1973 C&C 30 MK1 (in Maryland) - GEICO through BoatUS. I sail primarily in the Chesapeake Bay.

Definitely some nice boats, but i'm surprised there weren't any Hunter boats! They have a lot of boats in the 35ish foot range at really good prices, newer late 90's and early 2000's models too.

1985 Landfall 43 (C&C) Aviva $70k for the boat $2M liability $650/year, location Ontario. This was a great idea, thanks.

Love the canoe stern off the the top Tim.

This was a good episode. I think the only other boat I'd add is the Cape George. There are some out there for sail, and I think that SV Minniehaha in the GGR is a reping this boat well.

@ladyksailing would like a video in this series showing a list of small learner lake boats for the very beginners that dont have a huge budget to jump in both feet first with a "real" sailbot but something "complicated" enough to get an idea of what their getting into.

1981 Aloha 34 - Gallagher Skippers Plan by Aviva - 2 million liability here in Ontario. Maybe we will see you this summer as we plan on going to the Thames for a little weekend jaunt. We are in Belle River.

1980 Islander 36. Full insurance including agreed upon value of $58K. This year it costs $2200. Last year $1800. Two years ago $1000! I am in SF.

As someone who is planning to purchase a sailboat and spend time in the Caribbean. I would love to see a video (you may have done one already) on purchasing/renting/finding a permanent slip to keep your boat in a good location that allows travel to and from the states when work demands you return back. We plan to spend half time on boat and half in our NC mountain home. Suggestions? Thanks for the videos and information.

1990 Catalina 22 winged keel w trailer through Geico Marine - as easy as adding a car. Just renewed w no hassle.

Homebuilt Stevenson Skipjack: Haggerty. 1977 Catalina 22 and 1980 Catalina 25: State Farm. All with trailers. Location: Kirkland, WA.

2023 ((brand new) TES 720. Polish boat, value $90,000. Insured with Geico through US Boats full coverage. 1 million liability and replacement value. $560.00 a year. Significant discounts for each ASA course completed. I have through 104, my wife has 101. Also previous policy with fishing boat and no claims or tickets.

1973 Morgan Out Island 36 - Insured via Progressive. PNW coastal boat, 150 mile US policy for about 73 a month. 300K property/liability etc.

1980 Hughes 35 - State Farm baby 🥰

J-35, fun to sail, even on main alone, reasonable interior, and can be found with wheel steering and shoal draft without losing great performance. Strong class association! Biggest challenge is to find one that has not been ridden hard and put away wet!

I have a 1988 Sabre 36. Insured though GEICO. $2,062 per year $500k liability, $1 million spill and fuel liability, $500 deductible

It would be a tough decision between the Cat and, er, uh Cat.

1987 Catalina 22. Had great coverage and 10k replacement from Geico/boat us. Is $41 a month

I'm currently between boats...what I'm seeing on the Pacific coast and Sea of Cortez, Mx is cruisers getting cheap (

1987 Hunter 23. Had to get a survey and after some upgrades to make it more compliant with current sea worthiness safety requirements I got insured through aviva for 425 bucks a year. This is Ontario Canada BTW. Apparently boats will no longer be allowed to be insured under a home policy and will, instead, have to be under it's own marine policy. According to my broker, the government is starting to come after insurance companies for sunk or abandoned boats that pose a navigation or environmental issue. Apparently home policies don't insure for such high costs in vessel recovery or environmental clean up. Work I had to do to be insurable....re-seal the keel, visible rust at hull to keel mating surface, install a hard mounted ladder that was fully accessible from the water, even if stowed, replace a few deck railing fittings, reseal a bunch of other fittings, replace outboard motor mount with adjustable unit and install 1/2" aluminum back plate for strength, re-seal and strengthen rudder gussets/mounts (1/2" plate as well), install 2 fire extinguishers, one for galley stove, one for outboard, replace a poor cockpit drain hose, replace anchor rode, install steaming light (optional but did it anyways)(there are other options using an anchor light and killing the stern light when sailing under engine power). After all that the insurance company was happy. There is still a bit more on the survey I need to work on but it's getting there. Life lines are one, fix crazing cracks, marine radio, fix a cracked window, etc.

1990 Catalina 28 ... Insured in Florida through progressive for 90 a month with 300k liability and 20k replacement value

Wow. As part of my research I received a quote for 2500 premium for: Novice sailor (100 logged hours, ASA 101,103) restricted to Massachusetts waters. 1985, 28ft Hunter.

Cheers from Edmonton.

Pacific Seacraft 24 1988, i could only find insurance with Classic Boats inaurance or Geico. I went with Geico and since I got cost of replacement, i pay 1200 a year

1970 Tartan 34c Insured by Aviva with $2mil Liability, $30K replacement for under $600/yr for great lakes area.

1988 Hunter 31.5, Farmers Insurance $100,000 policy, $600/year

Great video, I've been watching a few of these lately and find them very informative. if I May give one critique it would that I find the fact that the comments do not match the images being displayed which I find distracting as though I am watching two deferent channels at the same time. Cheers

I own a 23 year old custom designed and built plywood cruising monohull. Getting insurance was interesting to say the least. I pay just under 600 a year for liability only. That covers me from WA state, to the southern tip of Mexico.

1977 Chrysler 26 trailer sailor ,apostle islands lake superior area,lake michigan,and Iowa Insurance through geico for 112 a month Minimum coverage just to enter marinas.

1980 O'Day 25, Michigan, Auto Owner's Insurance. Coverage: $500k personal liability, $5000/person medical, comprehensive and collision for boat/motor, some additional coverages for personal property, emerg. towing, and motor/trailer: $250/year. Did not require a survey, only pictures.

The best 33-35 foot boats out here in OZ, include the S&S34, Cole Pawtucket 35, Duncanson 35, Yamaha 33, UF0 34,

1982 Endeavour 37 insured with Dejardines for 60k and Great Lakes and Atlantic Canada with 2 million liability. For $380 Cdn per year

1972 Rhodes 19 Maritime insurance, 10K replacement, 300K liability @ $350 per year. 2013 J70 State Farm 60K replacement 300K liability @ $380 per year. Also a 1993 Tartan 3500 Ace American insurance, 108K replacement, 500K liability @ $826 per year. I race all three.

1979 O'Day 28, Insured by Intact, sailed in Northumberland Strait

2005 Jeanneau Sun Odyssey 54DS, located in the Great Lakes in Charlevoix, MI, insured thru BoatUS/GEICO, insured value $400,000, annual premium $1600. When it was on the Chesapeake, the premium was $2000.

I've a 1964 wooden 25ft sailboat, with 0 years sailing experience. I could only get 3rd party insurance, (Fair enough lol! (not for the boat or contents, just any damage to others)) - can't remember the insurer, boat insurance 4 you or some such, But UK £90 for 1 year ($110 US) . My boat is worth around $5000 or so, maybe $10000 US.

My Catalina 1983 27 foot was near the cut off date for my insurance . I had to get a new survey to get insurance this year

As an RVer, no we dont tend to mind someone in the same area of a campsite as us as long as they arent in our campsite or blocking us from getting in and out. And dont get down because you cant get something physically done. Where you might not be able to rip something off the wall he isnt climbing into that tight space to do something. Yall are a team and one that complements each other well. Only be "frustrated" when together as a team you cant complete something.

1978 Morgan out island 41 insured with aviva Canada but my broker did say that insuring an “older” boat was becoming an issue. 😂

Premier Marine insurance, Cal 2-30, $600/annual, $1M liability and environmental, underinsured, current replacement cost.

1984 S2 9.2A BoatUS underwriten by Geico. $258 for the year. 50% in January. $43/mth till September last instalment $38 Cleveland Ohio

I have what is known as a Challenger US 35. Built like a tank. 1976 Wilmington CA. Paid $500. Previous owner had no clue.

1988 Mirage 35 insured with GEICO (Boat US).

1981 Vagabond 17, insurance $750/year with Progressive and includes towing services. Boat is in Florida 😊

1984 Catalina 30 TMBS. Not a world cruising yacht by any stretch but did my father and I just find sailing 600 miles from MD to ME. Purchased for $8000, currently insured for $15000 cash value through progressive. I think it's about $600 for the year.

1999 Shannon 47, The Cincinnati: hull value $320k - $500k/$500k coverage - $2800/yr

1976 Scampi 30 in Lake Ontario. Aviva $9k for the boat $2M liability $419/year.

I live in Australia and I have a 1981 Compass 28. Aparrently the previous owner could only get third party insurance sufficient to fulfil the marina requirements of the time. Since I purchased the boat, I have tried buying comprehensive insurance without any success. I'm willing to listen to anything that might result with me obtaining comprehensive insurance, before I just have to settle for third party

‘87 Catalina 25, GIECO Marine in N. Texas

Craftinsure 370.59 euros for a starlight 30 1/2 tonner built 1978. Includes club racing insurance. 3rd party up to 5,000,000 euros

1992 Passage and we have Progressive insurance costal waters US and Bahamas for 850 a year.

BoatUS Geico... 2007 Jeanneau SO 45 ... $3049/yr based on the Chesapeake with no limit within US waters ... Seeing what others are paying I definitely need to go shopping again

Australia requires 10 Million liability and many insurers will not insure in SE Asia.... 2003 Catana 471. We are insured with Topsail UK but the policy is underwritten by a US conglomerate with a policy called Global Yacht Cover and I have heard from others that in the event of a lightning strike, it is easier to pull out your own finger nails than get a payment out of them.... Fair Winds!

1976 Ontario 32, Annapolis MD , bought for $17k, insured thru Progressive, $300k coverage for $600/yr

99 Catalina 380 insured with PMU , 2000,000 liability Gibsons BC Canada. 1450.00 this year , 8th year

1990 Catalina MKI, insured with State Farm, for $50 a month

1981 Bristol 45.5 . 2 mil liability , 200.000 hull replacement , Lake Ontario . Aviva , 1600$ a year

1984 Pearson 303, with Aviva. 2M liability and a annual premium just under $700. It was however difficult getting it insured. I went through 4 brokers and only one got it insured, even though all 4 of them tried to get the policy from Aviva.

1980 Hunter 36c (Cherubini)-Jake from State Farm is covering it

1977 C&C 29MK1 $500 hull, 2M Public liability $450.00 year pay out for total loss $30,000 have been with Skippers Plan for over 30 years, four different boats, no claims

Union 32/ Ted Brewer design built in Taiwan. Port is Ventura, CA. I just switched from boat US to State Farm. I have full coverage of 500k liability with a payout of 59k if totaled. Interesting info why i switched. My premiums went up from 60 a month to 90 a month for no apparent reason. I called, and they said the recent payouts from Florida caused all rates to go up. I was like F@@@ that! So, I got the same coverage from State Farm for 44.00 a month. I have been boating for 39 years, no claims ever. Hurricanes are causing all kinds of issues in the insurance industry. I know someone in Miami paying 5k a year for a 34 foot powerboat with tons of stipulations on named storms.

1980 Tayana 37 - 250,000/300,000 Bodily injury, 100,000 property damage, coastal Navigation 75 miles. Through the same company that insures my home and apartment.... Progressive. Not the absolute best, but it's about 65/month

1987 Hunter Legend 35, CT United States, Farmers Insurance, at $44k replacement and $500k liability, cost of $700 per year

1982 Bristol 38.8 underwriter is Travelers, 500k liability 80k value