Houseboat Insurance - Where to get a house boat insured?

by Billy
(Florida)

Where to get Houseboat Insurance and be Insured.

Where to get Houseboat Insurance and be Insured.

I'm looking for houseboat insurance, and wondering where to go to get my house boat insured? I'm trying to get houseboat insurance on my 1970 Gibson houseboat.

Everyone that will insure the houseboat, they want an "out of water" survey. I can not afford this, and the one year premium together.

Is there an insurance company that you know of, that will write me just a liability policy for the marina.

I own the houseboat, is free and clear, and it's in great shape. I hope you can help me. Billy.




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Reply - Answer
Well Billy, congratulations on your Gibson houseboat, and sorry to hear about your insurance problems. I'm sure that we'll find a solution.

Speaking of Gibson's, one of my neighbors had one, and the Gibson is a great house boat.

Now let's look at the situation of getting your houseboat insured. Do you happen to presently have a survey? If you do, let's use that one to get the boat insured. If not, let's first look at some possibilities.

I don't have a biased opinion and want to stay neutral, however I can understand the insurance companies hesitation, especially when we look at the age of the houseboat.

There are some 38 year old boats that are in excellent condition, and there are some that have been totally neglected. Glad to hear that yours is in great shape.

Another alternative, if you just bought the houseboat, possibly you could go back to the previous owner's insurance company, and just have the policy holders name changed to yours.


As to getting some insurance company names, you should have a look at our house boat insurance page for tips, information, and company names that you could try.


Lastly, hopefully some of our readers will share and post comments about their good & bad houseboat insurance experiences. Feel free to use the "Click here to post comments." link found at the bottom of this page.


Thanks again for sharing, IAN from all-about-houseboats



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Comments for Houseboat Insurance - Where to get a house boat insured?

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Houseboat Insurance Tips
by: Russell

Liability is easy to get. Since you are just covering any mistakes you may make you can most likely add it onto your car insurance package.

Mine cost me $145 a year for my 35 foot Sea Ray and my 36 foot sailboat was $105 a year. No survey required but I had one anyhow just for my own peace of mind.

It also helps if you are a licensed captain or have prior safety courses behind you. I have over 50 years expirence on the water.

Check with your car insurance. You might also check with Progressive or the lizzard.

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Houseboat Insurance on homeowners insurance policy.
by: Jerry

I had the same problem when I purchased an older houseboat in May of 08. I found out that my homeowners insurance would cover the houseboat.

I had to have an inspection (in water) that cost about $200. This was less expensive that an "out of water" inspection so I caught a break.

My houseboat is located on Lake Cumberland in southern Kentucky.

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