John,
You might consider complaining to your states insurance commission. It
sounds to me
as if you were cheated.
Herb
At 06:00 AM 10/5/99 -0700, you wrote:
>Scott,
>
>I asked State Farm about my boat. They took the information and came back
>with what I thought was a reasonable quote. A gave them the money and had
>the policy show up 5 week later with a bill for an amount several times the
>agreed upon rate. I asked my local agent and she said that she quoted me a
>price for an "outboard" and not a sailboat. Even though I was very explicit
>that it was a sailboat and they had pictures of it. She was put off that I
>used the word "outboard" to describe the engine type (which is - an
>outboard). I asked to cancel the policy and asked for my original payment
>back. State Farm baled and said that they had insured the boat for those 5
>weeks and after prorating the higher rate I was not entitled to a full
>refund.
>
>So... When you deal with folks who do not usually insure boats, treat them
>as idiots when it comes to explaining exactly what you have and what you
>want to insure against.
>...................................................
>John Haley