Our family has several personal-use boats insured with GEICO, and for estate-planning p...
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Our family has several personal-use boats insured with GEICO, and for estate-planning purposes we are planning to put them into a family Limited Liability Company (LLC) along with our vacation home. The LLC has no commercial purpose and exists only to hold the family's property. Coverage state is New Hampshire. **One of us spoke with a GEICO representative earlier this year, about transferring the boat policies and was told that it could be done, except for one of the boats which we rent to a nonfamily renter for *-* weeks a year. Our family member said she was told by the phone rep that the policies on that boat would have to be nonrenewed at anniversary because of this rental. That doesn't sound correct to me, since the policy language expressly excludes coverage for any rental activity. Having been in the insurance business for * decades, I assumed the phone rep just got it wrong? (We have a separate policy from another carrier which covers the rental period.) Why would a casual rental which all parties agree isn't covered under the GEICO policy be a valid reason for nonrenewal? **Having been in the insurance business for * decades, I assumed the phone rep just got it wrong? Can you confirm? Thanks in advance.**Kevin Cullinan
Want confirmation that the existing policy can be transferred and will not be non-renewed for reason of of a risk exposure which is already excluded by the policy language.
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