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Old 03-27-2015, 07:10 AM
Johnboy Johnboy is offline
Join Date: Feb 2008
Location: IL
Posts: 523
Default Premium Question

Is there much difference in insurance premiums when a policy has Actual Cash Value or Agreed Value ? Which one of the two is most often purchased ?
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Old 04-13-2016, 08:59 PM
yooper911 yooper911 is offline
Join Date: Feb 2010
Location: Felch, MI
Posts: 73

Actual cash value will be less expensive as you will likely get less when you submit a claim. However watch out for the agreed amount wording " actual cash value not to exceede the agreed amount". You are actually better off with a policy that will pay a specific limit if the boat is totaled. Just make sure the limit is adequate and you review it every couple of years.
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