The Fitzpatrick Agency, Inc.

As independent agents, we represent many of the largest marine insurance companies in the country and select the best one for you and your boat.

We specialize in yacht insurance and have been giving special attention to boaters' needs since 1919. Your call is answered only by licensed, experienced insurance agents who work in our Yacht Department.

If you are an active member of the Power Squadron, call us. We are designated agents for the U.S.P.S. Insurance Program.

Compare Our Policy

Your five year old boat has sustained damage to the hull. The repair estimate is $21,000. Your policy has a $1,000 deductible. What will you receive under your policy?

It depends on the quality of the policy.

FITZPATRICK AGENCY PROGRAM

AN ACTUAL CASH VALUE POLICY

MAJOR BOATING ASSOCIATION POLICY

No depreciation applied in this claim. Your deductible will be applied.

Depreciation will be taken according to the age of your boat. If the life of the part or finish is 10 or 20 years, you will get that portion of your repair estimate and your deductible will be applied.

Depreciation will apply to paint, gelcoat and finishes and your deductible will be applied.

Repair Cost	$21,000
Deductible	-1,000

Repair Cost	$21,000
Depr'n	-7,000
Deductible	-1,000

Repair Cost	$21,000
Depr'n - paint/gelcoat	-3,000
Deductible	-1,000

You receive
$20,000

You receive
$13,000

You receive
$17,000

Remember, this boat was insured for the same amount with the same deductible by all three insurance companies. The difference is in the fine print. The Actual Cash Value and the Boating Association policies may be cheaper, but how much will you collect if you have a claim? Quality coverage may cost a little more, but it's well worth it. We want you to be smiling after your claim. Give us a call. We'll help you make sense of it all.

The Fitzpatrick Agency, Inc.
840 Clinton Avenue, P.O. Box G, Bridgeport, CT 06605
Tel: (800) 727-5050 (203) 336-2138
Fax: (203) 336-9507
info@fitzpatrickagency.com
© 2001 The Fitzpatrick Agency, Inc.

Site Design by The Computer Studio