Guests - If You want access to member only forums on HSO. You will gain access only when you Sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

  • Announcements

    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
Sign in to follow this  
KOTTKE

Insurance for fish house

Recommended Posts

FYI to everyone, Talk to youyr insurance agent regarding insuring a permanent houses. I placed a rider on my existing homeowner policy last yr. I believe they call it a trailer, it cost me about $75/yr. I was wiped out last yr on Waconia and was able to recover some of my $$. I am still wondering how the depreciate jigs and hooks. Its also important to have an inventor of all your items in the house. You will be amazed at what it costs to get set up again. Hopefully no one will have to go thru this but if you do, make sure your insured!!!

Share this post


Link to post
Share on other sites

Had to leave town for a unforseen funeral and wasn't thinking. I have several folks that I fish with and we keep a scheduel with some on the lake everynight. A guy should not have to put up with this [PoorWordUsage], but that is the reality of it.

Share this post


Link to post
Share on other sites

FYI to everyone, Talk to youyr insurance agent regarding insuring a permanent houses. I placed a rider on my existing homeowner policy last yr. I believe they call it a trailer, it cost me about $75/yr. I was wiped out last yr on Waconia and was able to recover some of my $$. I am still wondering how the depreciate jigs and hooks. Its also important to have an inventor of all your items in the house. You will be amazed at what it costs to get set up again. Hopefully no one will have to go thru this but if you do, make sure your insured!!!

I was told by my state farm agent that I was covered under my Home Owners insurance. Do I need to be concerned?

Share this post


Link to post
Share on other sites

You should be concerned about it being on your homeowners policy. If you have 3 claism, esp theft they will cancel you and you will by from the sate at about 50% more with less coverage. I recently had my auger, flasher, camera and 12V DC tvwith a DVD stolen worth about 1500. With a 1000 deductable I may not claim for the 500 as it may become a problem if I have other claims. Would suggest a separate policy for it the house an contents if you can get it.

Share this post


Link to post
Share on other sites

I added an "RV" rider to my insurance, I think it is around $150 a year or so. That way it is not connected to my homeowners for claims and is more like car ins.

Share this post


Link to post
Share on other sites

You should be covered fine under your homeowners policy if your house is on skids. We covered losses such as this under the homeowners coverage C, which is contects. If its a wheel house check with your agent. Most companies now require those to be ridered to your auto policy just like a utility trailer. It is not expensive considering the investment. The damage to the wheel house ie: it comes off your hitch while towing, is run into by some clown doing shi*ties on the lake would come from your collision coverage. Vandalism would fall under comp. Contents should fall under your HO policy subject to your deductible. As mentioned inventory is an excellent idea; especially on the larger items. All losses would be settled at Actual Cash Value (depreciated). You would have 180 days to replace the item and show the difference in the depreciated settlement and the actual cost to replace. Again, its very important to contact your agent regarding each companies specific coverages and or limitians. I would strongly advise to get his determination of coverages in writing. I am giving info here based on the company that I represented for 22 years. Good luck and hang on. Bill (retired agency owner)

Share this post


Link to post
Share on other sites

If your fish house has a license plate which the state law requires of all wheeled houses whether they can haul an atv or not you would need a seperate insurance policy for it. It is no different from a boat, trailer, or vehicle for that matter.

There may be some insurance companies that would cover it under the home owner policy but I would check with your agent before you figured it would with say a new $10,000 fish house.

If you have a fish house on ski's it would be covered under your home owners policy if you own a home of course. With all the wind and hail storms occuring these days a seperate policy for a permenant fish house on skis is not a bad idea.

My Dad had some hail damage to his roof and gutters in 06/07 and his State Farm adjuster wrote $1,000 into his claim to cover the hole in the roof of his camper trailer. I've seen other adjusters ask home owners if trailers with hail damage on the property have there own policy. As a matter of fact the more I think about it there have been more claims I've worked were the home owners got money from camper trailers that had hail damage tied to the home owners claim. One deductible for all damages.

Of course while in tow the wheeled house would be covered under the tow vehicles insurance policy.

I'll be honest I don't have a seperate policy for my LOW house or wheeled house. Neither stay on my property so not sure if my home owners policy would even cover it.

Two Winters ago saw a wheeled house on LOW up in flames. My agent had his cabin broke into a couple years ago and after making a claim and getting all new stuff it happened again shortly there after. The second time around he didn't file a claim. My house was broken into recently and didn't file a claim but decided to move to a safer area instead.

Share this post


Link to post
Share on other sites

You should be able to purchase a separate policy under what would probably be classified as an RV policy. This way your home owners insurance policy premium doesn't get raised if you have a claim on the fish house.

A 10 or 20% policy premium increase on your RV policy due claims costs a lot less than the same increase on your homeowners.

Another thing to note is some policies require you to report thefts to the police. I handle insurance claims for a living but every policy is different so the best thing to do is cover your basis and talk to your agent.

Share this post


Link to post
Share on other sites

Again just my input based on the company I represented. A recreational policy is intended to cover items such as ATV, Sleds, boats because they are motorized. A wheel house does not have a motor, therefore we endorsed it to the auto policy just like any other utility trailer. You only pay premium on the physical damage coverage for the trailer, the liability extends from the towing vehicle. I would not have been able to write a recreational policy just on the wheel house, no motor. In the summer months when the wheel house was not being towed we would suspend the collision coverage and only keep the comp in place. It would be fully insured while parked as comp will cover, wind, hail, fire theft, vandalism etc. Hope this helps. Again the cost was minimal $50-$60 per year. good luck guys and hang on. Bill

PS If you have any type of property policy homeowners, renters, condo, or mobil home a skid house or for that matter a portable flip style it would fall under that policy as well as the contents. Our company just before I retired and sold the agency introduced a new homeowners policy that will not cancel for claims, and if you were claim free for the one year period you would recieve a 5% bonus check at renewal. This is totally awesome especially in the land of wind and hail.

Share this post


Link to post
Share on other sites

Again just my input based on the company I represented. A recreational policy is intended to cover items such as ATV, Sleds, boats because they are motorized. A wheel house does not have a motor, therefore we endorsed it to the auto policy just like any other utility trailer. You only pay premium on the physical damage coverage for the trailer, the liability extends from the towing vehicle. I would not have been able to write a recreational policy just on the wheel house, no motor. In the summer months when the wheel house was not being towed we would suspend the collision coverage and only keep the comp in place. It would be fully insured while parked as comp will cover, wind, hail, fire theft, vandalism etc. Hope this helps. Again the cost was minimal $50-$60 per year. good luck guys and hang on. Bill

PS If you have any type of property policy homeowners, renters, condo, or mobil home a skid house or for that matter a portable flip style it would fall under that policy as well as the contents. Our company just before I retired and sold the agency introduced a new homeowners policy that will not cancel for claims, and if you were claim free for the one year period you would recieve a 5% bonus check at renewal. This is totally awesome especially in the land of wind and hail.

The company I work for writes all travel trailers, motor homes, cargo trailer etc.. under the same type of policy. I have my motorcycle insured with the same company that insures my autos and home (not company I work for) and they don't actually have a motorcycle policy. My motorcycle is insured under what they classify as a "boat" policy.

Basically, all companies/polices can be different and the only way to know what is covered is to read your own policy and/or speak with your agent.

Share this post


Link to post
Share on other sites

My Wheel House is registered as an RV/Toy Hauler. I have full coverage comp and collision with a $250 deductable and I aslo have full glass coverage on it. We bought the unit with the ability to be able to use it all year. I don't have the exact numbers with me but I believe it is under $150/year thru AmFam and I have it insured for approximately $ 35K

Share this post


Link to post
Share on other sites

Caleb: Your are right on as I indicated in my first post, contact your individual agent to find out how you should insure your toys...Good luck and hang on. Bill

Share this post


Link to post
Share on other sites

My wheel house is covered by a RV policy. As I understand it, if the wheel house comes loose from the hitch and does a few flipflops in the ditch it will be covered this way. I wouldn't depend on my home owners policy for such a thing. Just what I heard from my agent.

Share this post


Link to post
Share on other sites

Assumed values are rarely paid when a total loss occurs. For a classic car you need an appraisal to insure for a said amount.

Agents are quick to say they will pay what you want in a loss but the adjusters are the ones you deal with at that point. They are paid to check current market value and you better believe thats what they do!

Had an atv stolen a couple years back no all to well how it is. On the form I filled out from the insurance company they had the netacity to ask what I would "like" to get as a settlement.

In a perfect world vehicles and toys wouldn't depreciate.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

Sign in to follow this  



  • Posts

    • Just looked up the yellow. Definitely not, no white on wings and way too yellow. And all the pictures of a cowbird on Google don't show a cowbird with the rusty colored ring on it's back.
    • Spending most of my time in Dallas these days due to my job.  Will be fishing the Otter County Area in a couple of weeks.  Can't wait!  Just wondering what you guys are seeing?  I am assuming the Bass are in and will be in their late summer patterns which to me means that you could find 'em anywhere.  One of the questions my friend had (I guess watching KVD in Elite Series and  Major League fishing -- I think his recent win on the Elite Series on St Lawrence River was mainly a drop shot) was jerk baits for this time of year.  Frankly, I use mostly jigs and plastics.  Watching KVD, I think I should give jerk baits more a try.
    •  It looks yellow in the bad picture but it's a very rusty medium brown. Definatly in the blackbird family though I think. I need a decent camera. Eye guy, you told me about a not too expensive digital camera with a good zoom lens didn't you? I don't think that's it. The ring on its back is the same rust color. 
    • Of course!  Yaller headed B bird, like the Duffster said.   https://www.allaboutbirds.org/guide/Yellow-headed_Blackbird/id
    • Yellow headed blackbird?
    • It looks way to light brown to be a cowbird but I see nothing else in my bird book it could be??? I know this is a bad picture but it's the best I can do. The thing is so tame I can almost walk right up to it and it never goes away for long.
    • Thanks for the replies. I am going to get a box of 1 3/4 #5's and a box of 1 3/4 #6's and pattern them against what I have been shooting, Hope to get that done when I go up to mow my trails this fall, whenever I can free up some time to go. I will post some results.
    • Ya saw that yesterday, glad to have him back, should shore up that 4th line or put him up on the 3rd if Ek isn't ready. Everything I saw last year from Ek has me thinking he is ready but time will tell. Need to sign Foligno yet, probably won't like the numbers I see but maybe he can surprise us. Forward group should still look really good this year, obviously the D took a hit when we traded Scandella and let Folin walk but we could still be ok, sometimes team D can make up for it. Oloffson looked good last year too, not sure about Quincy but hopefully they can form some kind of decent bottom pair. 
    • Cullen comes back on a very cap friendly deal.  1yr 1mil.
    • Manky, I have used dog food with grease as a filler and it works great! No issue but you  don't want to add to much grease and make all the dog food to soggy. 
  • Our Sponsors