T&T: : Full Time Cruiser or Livaboard?

[Al Golden]

Assuming for the moment that they have no actuarial reason for making a
distinction ;-) why should you be concerned about telling them the truth?

An insurance agent is trying to determine from you what coverages you need
to cover your butt. If you own a home ashore, you might not need Personal
Liability coverage for example.


Al Golden
International Marine Insurance Services
1-800-541-4647


-----Original Message-----
From: trawlers-and-trawlering-bounces at lists.samurai.com
[mailto:trawlers-and-trawlering-bounces at lists.samurai.com] On Behalf Of
Ownyacht at aol.com
Sent: Tuesday, November 06, 2007 20.08
To: trawlers-and-trawlering at lists.samurai.com
Subject: Re: T&T: : Full Time Cruiser or Livaboard?

I just don't understand why an insurance company would differentiate
between 
someone who owns no residential property and travels most of  the time and 
one who owns no residential property and stays put.
 
Many of us had residential property and sold it or residential  property
that 
we converted it into rental property and got tired of  the landlord hassle 
and sold it.
 
Why doesn't the question revolve around being landed (or not) instead of  
where we stay?
 
R. Lee



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