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Classic Houseboat Insurance - how to insure or find insurance for boats

by Ray Russell
(Martinsville, IN. (for now))

Classic Houseboats - how to insure or find insurance

Classic Houseboats - how to insure or find insurance

I am in the process of buying a 45' 1968 Tucker houseboat so I read with interest all the "horror stories" about some folks not being able to find a company to insure them.

Last night I went online to Boat US Insurance and filled in the forms and sent it off to them. This morning, I had a response from BOAT US that pending the surveyors report, they would indeed insure this boat.

I have no fear that this boat will pass the surveyors findings and report. This policy will be full coverage with hull value at $71,000. There are many liability add on's that I hadn't thought of that are included with a little over 1/2 million in enviromental spillage liability.

The policy is a little pricey but if you want to dance, you have to pay the fiddler. Boating ain't exactly cheap but it's worth it. For those of you who are in need, you may want to contact them. Best of luck to you all, Ray.

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Reply - Answer
Well Ray, first let me say congratulations on purchasing a fine classic houseboat. I had a chance to visit a few of these, and they were very well built and can handle the lakes and rivers extremely well.

I am glad to hear about your success in getting your houseboat insured, as Boat US is an excellent choice for getting the boat insured and ready for the water. As you mentioned, a current positive survey is usually essential in obtaining insurance.

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

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

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Comments for Classic Houseboat Insurance - how to insure or find insurance for boats

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Older timeshare houseboat owners on Lake Powell
by: Anonymous

I'm trying to reach out to other people who own timeshares on older boats at Lake Powell. I own a time share with 2 other people, on a 1982, 55' Kayot. Our old insurance company American Reliable will not renew our policy as of 4/13/20 due to it's age or the fact it has steel pontoons or that it has multiple owners. Just wondering if anyone of you all have insurance and where can I get it, so far it's been like running into a brick wall. Any help is much appreciated!

Houseboat Insurance - some companies insure differently
by: River Rebel

Glad to hear you had little to no trouble getting insurance for your houseboat. When my wife and I purchased our houseboat we initially did'nt have any issues because our insurance company also had banking services.

However after 4 years, during the off season as our houseboat sat on our trailer we had an overnight visitor who decided he needed some vital parts from our boat.

Our isnurance claim ended up being almost 7 thousand dollars and that was just to purchase the parts to replace what was stolen. Well eventually since our bank note was almost paid off, the insurance end of this company decided to terminate our policy.

They told us our houseboat was too old and hard to find parts for (as told to them by their independant adjuster) and they decided to cancel us once our policy came up for renewal in 6 weeks right in the middle of boating season (this was 16 months after they settled the claim).

After adding up all of our payments over the years the end result was all of our payments came up to within exactly $45.00 of what our claim was, so the insurance company just about broke even.

After doing some shopping around I came across an ad in a boating publication for insurance, after a call and some information I was able to secure the exact same insurance coverage and insure a second boat (23' cruiser) for $24.00 less than what I was paying before for just 1 boat and without all the hassle of before.

Progressive was very positive and professional and told me the only way we cancel your insurance is because of fraud, oh and by the way all the parts I needed to make repairs I bought from the local mercruiser dealer, and without any trouble finding parts...River Rebel

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