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Fish House Insurance

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As a new owner of a custom wheelhouse. I am hearing stories of houses being vandalized or stolen madsick

What are the insurance options? How much does it cost? Any good companies to go through?.. or good stories of something bad turning out to be okay because the house was insured?

I am interested in insurance. Just wondering what the options are based on your experiences confused

Thanks

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I have am fam and it cost about $24 a month to have fully covered for theft fire etc. Including up to $1500 for stuff inside. 0 deductable. You can get cheaper with a higher deductable and less insurance on stuff inside. They said they would cover going thru the ice too.

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Mine is insured as a RV. It is actually cheaper to insure as a fish house but they do not cover anything inside of it.

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When you say the "do not cover anything inside" do you mean gear you leave inside or things that are part of the inside of the house like heaters, stoves, lights, bunks, built-in stereo's etc.? Or both?

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I beleive it would not cover any gear but would cover attached items up to $500 if I remember right.

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The company from which I just retired and sold my agency endorsed them (wheel houses) right to the auto policy. Contents; items that can be removed and taken with you would be covered as an endorsement for contents if you wished. A skid house with our company was considered personal property under your homeowners policy and would include loss of contents just the same as your home. We had a couple of these losses paid out over the years. The cost on the wheel house coverage was dependant on the value of the unit. Bill

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I pay about $ 50 a year with a $ 500 deductible. I have my house insured for $ 7,000 - Actually its 47 and some change

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$50 a year !

That is awesome! I purchased my house for 5 grand... if I could insure it for 7 .. that would be unbelievable for $50 a year!

Any hints towards who you have it insured with?

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mine i sfully covered at replacement cost with my homeowners policy. i have been with state farm for about 15 years. it was from my old fishhouse getting totaled out in a storm while it was in storage, that i found this out as they cut me a check for current cost of matierls and labor that i have the one i do now. ... paul

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I believe that if it does not have a serial number(built it yourself) then it would be covered as personal property under your homeowners. If you have a house that DOES have a serial number on it(most manufacturers of houses) then you have to insure it as an RV.

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I believe that if it does not have a serial number(built it yourself) then it would be covered as personal property under your homeowners. If you have a house that DOES have a serial number on it(most manufacturers of houses) then you have to insure it as an RV.

My neighbor registered his home made house. When he got the plate and tabs for it, they also sent a serial number with it that he is to attach to the frame of the house. Wouldn't this work for RV insurance as well? It's not a manufactured house, but it has a serial number.

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My new house is the same. It has a title. and is registered as an RV.. sticker with a serial # on the tongue...

I would think that means I HAVE to insure it like an RV ?

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8 years ago I built my house and insured it for $4300, this winter when it burned down, thats what I got $4300. Now when I priced everything out it would cost me $10,500 to rebuild it the way it was. The steel and siding cost took an unreal jump. Thats my fault for not pushing the coverage up. Also don't place your fish house under your homeowers insurance, because if you have claims, it will go up. we had 2 storm damage claims this summer and now the fish house and we got a letter about how much it could go up with the next claim. Like I had any control over any of it.

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this is all good to know you guys! i am looking at building a house this summer and knowing i can get insurance for not that much money makes my day!!

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hawkeye43 i guess that is a good pt on the claim issue. If it is that cheap I guess I might insure it outside of homeowners. I just said that as that is what my agent told me was an option(the serial number thing). $41 I will do that instead. I think he was just trying to save me money.

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I am confused as to why it would be insured as an RV as it should be a camper/trailer coverage and endorse the policy for contents/personal property..... I would think it would need to have an engine to be considered a RV....and if it has wheels you are most likely not covered under your homeowners policy...

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They told me it could either be covered as a trailer or as a RV/Camper but the trailer coverage would not cover contents.

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$41 a year sounds great also. Who is that with?

I am not too worried for the remainder of this year... but def will be making some calls soon..

this is great info. I never knew it could be insured for so little cost !

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$41 a year sounds great also. Who is that with?

I am not too worried for the remainder of this year... but def will be making some calls soon..

this is great info. I never knew it could be insured for so little cost !

Are you not worried about it being stolen, vandalised, a tree falling on it, or anything else that could happen to it....just cause it is not being used on the ice or being used at all doesn't mean that nothing can happen to it......if you can find it for under $200 a year that is just under $17 a month I think you should look into insuring it now.......

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  • Your Responses - Share & Have Fun :)

    •     I guess when I made that statement I was wrongly assuming it would be much colder than that. In that case, it should be a nice October game just like a couple years ago at TCF. 
    • I went back the next day hoping the slush froze.  No such luck i guess water wont freeze at 31 below zero.  Sunday i tried moving my fishouse.  I kept breaking threw the slush. We hooked 3 widetracks together to my fishouse and still had to jerk the heck out of it to get it out. I did get a few crappies Saturday afternoon.  We picked up 26 crappies. 
    • Finally made it to morson over the weekend.  Fishing didn't go as planned it was extremely cold on Saturday. Ended up with a epic stuck Saturday morning it was 31 below zero when i found some major water . I was pulling my alumalite fishouse on the way to go crappie fishing  I had to jack fishouse out of the water and set it on blocks. I then packed the slush down with my widetrak  i even used my trail groomer to pack it down. I let it sit tell Sunday afternoon to freeze down.
    • See details and join the conversation at the link below.    http://fishingminnesota.com/forums/topic/210112-st-cloud-area-get-together-22418/    
    •     Ice fishing in Wisconsin can be a challenge at times. Catching walleyes is not always an easy task either. We had some crazy weather leading up to this weekend, it was -20 degrees for a solid week and a half, followed by 2-3 days of mid 30s and pushing 40 plus some rain, then we went right back down to -20 degrees.   This made for a challenge fishing tip ups this morning. I’ve got some new hole covers for my Finicky Foolers, which do work great as I’ve used them before, but unfortunately with no snow cover I made the mistake of not setting them right away and forming slush to the cover. Lesson learned. I did get a bit lucky catching that walleye as I thought it would have dropped the minnow with the line being froze.   The first fish I caught was definitely a surprise, a species I have never caught through the ice before, although I have heard they are fairly common to catch out on this lake. Still was hoping it was a giant walleye, but fun nonetheless!   With the cold we weren’t really planning on moving much. We would mark fish every 10 minutes or so but many of them were tight lipped. We did manage a couple more fish jigging, which were some good sized crappie and perch!   Overall I did end up accomplishing the goal of catching a slot walleye out here, so can’t complain.   I will be out on Petenwell Lake more times this winter!
    • Drilled the holes first then set the sleeves down seemed to work a lot better...just have to make sure you mark your holes lol
    • A nice bite continues with anglers catching all sizes of walleyes and saugers.  Most of the action on the south shore is in 24-30' of water.  Daytime bite continues thanks to stained waters of LOW.  There has been a good morning evening bite in 15-17' as well.  Resorts and outfitters keeping ice roads in good shape. One two punch of jigging line and dead stick (hook/jig with live minnow under bobber) effective as is the use of electronics to mark fish. Jigging spoons in gold, glow, glow red and pink uv.  Small rippin raps also good. If not fishing in a resort fish house, auger extension could be necessary in spots where ice is layered.  Snowmobilers stay on marked trail, big ice chunks off of trail.   Rainy River pushing out some nice walleyes with an occasional sturgeon through the ice.  Fish houses along the snowmobile trail from Wheeler's Point to Baudette Bay.  Morning, evening bite most effective.     The NW Angle also has good ice conditions where resorts have ice roads / trails and fishing has remained great. Ice road goes to Flag and Oak Island from Young's Bay. Good walleyes in 22-28' with saugers and perch in water deeper than 26'. Combo of jigging spoons and dead sticks with a jig and minnow effective.  Resorts are guiding anglers to slab crappies on the Ontario side of lake. Preserve the resource, catch your crappies, move on to walleyes or another species as mortality rate is high for released crappies in 25' or deeper.  Snowmobile trails on and around the lake are marked and groomed.  
    • I believe I picked that one up at Red Rock Wilderness Store.  It’s located east of Ely on the Fernberg.   Good thing is he does have an on line store too. 
  • MWO