Insurance

Insurance is available at a fairly reasonable cost through an affiliate of US Sailing. They have insurance specific to one-design racing boats and you can name your value of your boat. http://www.ussailing.org/membership/Insurance/ Phil Scheetz FS 4086

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I know my Flying Scot is insured while being towed by my car via my auto insurance policy.

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Only if you have a special endorsement, which most insurance companies will not grant. Your trailer is covered, but not the boat itself.

Without a doubt, you best protection for liability coverage is to have a separate boat policy. It protects you for damage you do someone else's boat, if you hurt someone else, or if they hurt themselves while on your boat. You can add damage to your own boat if you choose to do so. Be careful in relying on your homeowner's policy. Yes, in most cases (but not always) it covers owned boats under 26 feet. But many policies also contain further exclusions so that coverage is not afforded if 1. you are involved in an organized race (sometimes this does not apply to sailboats as long as you don't use an engine) 2. the boat has a motor (including electric), although most policies say that it has to exceed 25 hp (anyone got a 25 hp enging on a FS?) 3. Anything else the company does not want to cover. There is no such thing as a "standard" policy, every company varies. Nor, is there such a thing as an "all-risk" policy, there are always exclusions. Companies vary widely in thier coverage. You need to ask you agent under what circumstances you are not covered for liability to others or damage to your boat under your policy - when it is at home, in storage, attached to a vehicle, or on the water. Disclaimer: I am a Chartered Property and Casualty Underwriter (CPCU), but I haven't dealt with personal policies in probably a decade. I work with commerical policies for Fortune 500 companies and they tend not to own sailboats, or at least, ones not so small.

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Originally posted by Andy Carrier My real concern is liability coverage.

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When you say your concern is liability, I can almost say for sure that your automobile insurance covers damage caused to others by your boat or trailer while driving (up to the agreed-upon limits). Your policy may also cover your own loss regarding the trailer but, as Transom points out, not the boat. "If the sea did wild or wicked things, it was because she could not help them." - Hemmingway

Andy, Get in touch with Wannamacher Insurance in Rocky River, OH. I have been with them for years. They are sailors familiar with the Flying Scot and will lead you through this mine field. They have advertised in Scots n'Waters and the Thistle Class, 'Bagpipe." for many years. Tel: (440) 331-0351 E: Boatinsurance.com Bill Ross, FS/5210 FSSA National Championship Cmtte.