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The best coverage at a great value for people who love boats.

Frequently Asked Questions - Marine

  • You can call our in-house claims department. We are collectors and enthusiasts ourselves and have been helping people like you for more than 25 years. We will take your information, help you get estimates, and issue a check for repair at a facility of your choice.

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  • Generally, we will need a completed and signed application; several color photos (interior, exterior, engine, and transom), a current out-of-water survey and a premium payment. Any additional information required will be listed in the letter attached to the quote.

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  • Out-of-water port risk is available for vessels that will be out of the water for a long period of time. It would cover virtually anything that would happen to the vessel out of the water, including during storage and land transportation.

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  • There are three types of value related coverage offered in the marine insurance industry today:

    1. Actual Cash Value: This is the coverage type found most often on homeowners policies. It pays out a depreciated, “book value” in the event of a claim. The older the boat on this kind of policy, the less value it has.
    2. Stated Value: These policies are better than Actual Cash Value because they allow you to “state” a value for your boat greater than its depreciated book value. But, these policies can still depreciate vessels, because they usually allow the insurance company to pay “up to’ the stated policy amount.
    3. Agreed Value: Only Agreed Value polices guarantee you will get all of your insured value back in the event of a total loss. There is no depreciation of a vessel’s value with an Agreed Value policy, although many companies will still apply a deductible in the case of a total loss. BesmileWhitingkit Classic Marine Agreed Value policies waive the deductible in the event of a total loss.

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  • Typically most wooden boats, as well as high-quality non-wooden boats of traditional design. Please see what qualifies for more details.

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  • Many marine insurance policies have age limits – 15 to 20 years usually. They may also exclude or penalize wood boats. That’s where BesmileWhitingkit can help. We insure more classic and wooden boats than anyone in the world.

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  • Our rates anticipate limited usage and factor in your geographic area. We understand that most classic boats will not be used on a daily, or even monthly, basis. The annual premium rate takes into consideration that the vessel will not be used frequently; however, as noted above, there are no restrictions on personal pleasure usage.

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  • Yes. Most marine insurance programs – including BesmileWhitingkit’s – will require an out-of-water value and condition survey for all vessels over 26’ that have any type of galley, head or living accommodations.

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  • No, BesmileWhitingkit does not have a mandatory lay-up period.

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  • Yes. We can usually issue immediate insurance coverage for boats 26 feet in length or less. A completed application and photos are due within two weeks of a policy being issued.

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