wheelhouse insurance

[Jimmy from Cottage Grove]

I am in the process of buying a new ice castle fish house. Does anyone know how to insure them are they classified as a camper

[hoggs222]

Mine was stolen 2 years ago off of the ice, and the homeowners insurance only covered $500. Just enough for the deductible. Make sure you get it! If your insurance agent is located in MN, they will know what to do.

[peterson999]

I am in the process of buying a new ice castle fish house. Does anyone know how to insure them are they classified as a camper

I can write a stand alone insurance policy on them for you as long as it is a made by a manufacturer and not by yourself Just send me an email [email protected]. Not all insurance companies will write them. I am right down the road from you in Woodbury!

[pike doctor]

I built one myself last year and I got a stand alone policy for it from state farm. I have it insured for 12,500 with a 1,000 deductible. It cost me $125 per year. Pretty simple. I just went to my agent and told them what I was building and what I wanted. All I had to do was bring them a couple of pictures.

[Feathers Rainin]

If you can sleep and cook in it you can insure it as a camper. If it is just an empty house (like a day house) it has to be insured as a utility trailer. Houses without wheels are covered under your home owners policy as personal property but beware there is a limit of personal property that is covered away from your premises (home). If you insure it as a camper make sure you get personal property coverage or contents coverage for the things inside.

[Big A]

I insured mine as a Camper.

I bought it for $5000 and insured it for $10000

I was amazed at how cheap it was to insure!

Definately worth the piece of mind.

[dougger222]

If it's got a license plate you should have no problem insuring it like a automobile. With the fish house a couple years ago if it's got wheels it needs a license.

If you can do either a seperate policy or under your home owners policy do a seperate policy.

[peterson999]

If it's got a license plate you should have no problem insuring it like a automobile. With the fish house a couple years ago if it's got wheels it needs a license.

If you can do either a seperate policy or under your home owners policy do a seperate policy.

I have a license to sell insurance in the state of Minnesota, and it's amazing how people just post stuff on this message as if they're an expert and stating opinion as if they're facts and they most likely don't have a license to sell insurance. I am an independent insurance agent represent over 30 insurance companies. Just because there is a license plate, and or you sleep in the wheelhouse you can insure it as a camper is just plain false. Every company has their own underwriting guidelines. So they may or may not insure the wheelhouse. With all that being said, I would never add on a wheelhouse to your home policy. If you have to make a claim on your wheelhouse, it will count against your home policy. You don't want any unnecessary home claims. This is why you need a stand along policy on your trailer.

My advice to you Jimmy talk to a licensed insurance agent,don't trust some schmo's opinion on how it should be insured, when in fact many companies won't insure a wheelhouse.

[bturck]

Petersn999 is right on. I am a retired agent of 25 years (have more time to fish now lol) I was a captive agent (wrote for only one company) and owned the agency. Talk with your own personal insurance agent regarding the coverage needed. We endorsed them( the wheel houses )to the auto policy which was very affordable, skid houses were considered personal property from the homeowners, however they also carried the same deductible as your homeowners. If your agent does not have the answer he should certainly be willing to get it for you. A call to the underwriters and or claims office should clarify the coverage needed and where it needs to be placed. Because it does not have an engine it will not qualify as an auto, but would have to qualify again depending on your company as a camper, or a utility trailer. And as he mentioned find out about the contents coverage as well. Good luck and good fishin.....

[Jimmy from Cottage Grove]

petereson I am having trouble emailing you. Could you contact me jimmy51881@ msn dotcom It is a brand new Ice castle. It is in the process of being built, I won't pick it up for 3 weeks. Thanks

[fishtrapgirl]

I insured my 20' Grand Lodge with American Family. Called my agent, gave him the VIN, and told him what it was worth. Simple as that. Didn't need any pics of it. Of course maybe it helped that my agent actually knew what a Grand Lodge was. $500 deductibles. Cost me $158 for a full year. Covered as a camper. Should not be an issue to get insurance if it has an RV title. I called Progressive because I have my ATVs with them. They told me they would not insure it.

[cold one sd]

I agree about talking to an insurance agent. I read all the dribble on here about wheel houses being covered by homeowners insurance and decided to talk to my agent about it. Two things bothered me which were my wheel house being damaged on the ice and my wheel house coming off of my hitch and crashing in the ditch or hitting another vehicle. I now have a stand alone RV policy that covers my wheel house and most of the stuff I read on fishing forums about insurance turned out to be so much [PoorWordUsage].

[usmcjsy]

Yup I also got mine insured through American Family. I figured with all the break ins and thefts these days and the cost of these fish houses it was worth insuring it.

[bak2MN]

Mine is covered 100 % under my homeowners insurance and I do have the paperwork that shows that I also carry a policy on its own as well.

[FIRECAT]

Also ordered new Ice Castle with my brother his agent said it would go on homeowners $78 a year for $8000 value my company Hartford knew very little about fish houses but said they would insure it with my vehicles but could'nt quote a price yet!