Course How To

Boat Insurance - any tips to find and reduce houseboat insurance premiums

by John

Boat Insurance, we'd like to insure our houseboat

Boat Insurance, we'd like to insure our houseboat

We're looking for some boat insurance, and we wonder if you have any tips to help get our houseboat insured? We have been getting different results from most marine insurance companies.

Some companies are saying that they don't insure house boats, others say that we need a recent marine survey, while others are quoting really high premiums.

We just bought a 55 foot aluminum houseboat from an elderly gentleman who had to sell because of health reasons. Now that the sale is finished, we'd like to get the boat insured as spring is here.

Any tips to help us out would be greatly appreciated,

John from Missouri.

Advertise Houseboat Business Advertising
You can advertise here for pennies a day!
Are you a boating related business and want to
increase sales and profits with targeted traffic?
Act now to get our 1/2 price sale, limited offer

Reply - Answer
Well John, you didn't mention what type or age of houseboat, so I can't give any specific details, but here are some pointers to help:

1) Insurance policy premiums are based on value, coverage, and element of risk.

2) Sometimes less value or older houseboats can be just as expensive to insure as newer more expensive boats.

3) Generally speaking, the majority of marine insurance companies will want a recent marine survey to evaluate the condition and value of the vessel.

4) With a knowledgeable friend, you can do a preliminary inspection of your boat before getting a survey done, and repair or reduce any survey recommendations that may occur before actually having the boat surveyed.

5) In regards to your boating experience, be sure to mention any boating courses like Power Squadron to your insurance agent. It may also reduce your premiums.

6) If you're looking for more tips, here's an article with some good houseboat insurance sources and quick quotes.

Lastly, hopefully some of our readers and visitors will share and post comments about their houseboat insurance experiences or difficulties.

Feel free to use the "Click here to post comments." link found near the bottom of this page.

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

Free Bonus Offer

To show our deep appreciation to all of our readers and visitors, here is the link to our free houseboat magazine, the INSIDER. Go ahead click the book and sign-up, it's free and filled with great articles, tips, information and website updates.

free Houseboat Magazine - The Houseboat Insider

Comments for Boat Insurance - any tips to find and reduce houseboat insurance premiums

Average Rating starstarstarstarstar

Click here to add your own comments

Progressive boat insurance. . . .
by: Anonymous

. . . around $500/year if you have your car insurance with them (multipolicy discount)

Houseboat Insurance - even with older boats
by: Ray

John, I recently bought a 1968 45' all aluminum custom houseboat. I got full coverage from where I have all my other insurance. Prem is $148 per month for $70K on the hull.

A good survey is a MUST. And it should include an in and out of water inspection. Make sure the surveyor is truly qualified and has good credentials.

I think they may be cheaper with better coverage, but there was a mixup in the communication with the surveyor and they never got back to me and I wanted her insured now.

But by all means get your ship covered ASAP as you never know when Murphy's law will jump into the picture. Even when out of the water. Hope this helps, Ray.

Click here to add your own comments

Return to Houseboat Insurance.

Continue Reading Our Popular Pages

Our collection of houseboat ebooks

Ebook Boats Collection on Houseboat Books

We just love houseboats, do you?
Join our monthly HB Insider for free

Enjoy this page? Please pay it forward. Here's how...

Would you prefer to share this page with others by linking to it?

  1. Click on the HTML link code below.
  2. Copy and paste it, adding a note of your own, into your blog, a Web page, forums, a blog comment, your Facebook account, or anywhere that someone would find this page valuable.