Fish House Insurance

[fishindon]

Latest bill for my Ice Castle (2008) came in the mail. $420.00 per year. This is for cash value, not replacement value. It includes $500.00 for accessories. Also covers collision, theft, going thru the ice, etc. It just seems to me to be a little on the high side or am I wrong.

Agent said I can add more coverage for accessories at $9.00 for each additional %500.00 coverage. Is it time to look around for a different carrier or is this pretty much what every one is paying?

[LightningBG]

That seems pretty expensive. I'd call around. Also to note: Under most policies it's covered by the cars insurance while in transit. Something to check on at least.

[Camp Bob]

If you have a home owners policy, check to see if you can add it on.

[vman11]

My pay for all my insurance policies monthly and I just looked at the stub - $6.33/month.

That doesn't include my heater or whatever I keep in it. My agent told me they wouldn't insure augers, locaters, etc since those are items that shouldn't be left in a fish house unattended. I would have to take out a personal articles policy to insure those items.

[Bryce]

We were told to get a seperate policy. We did even though IMO insurance agents are in the sentence that follows the one about lawyers, car salesman and realtors. Your premium is a bit higher than ours but that should depend on value. Also not sure about how we handled contents. It's either a 30 or 35k replacement policy with state farm.

[Minnie_sota_Mike]

I pay approx. $90/year for $10,000 w/$250 deductible, State Farm

[Loon]

$64 per year

$4500 coverage

$500 deductible

Am Fam

[fishindon]

Thanks everyone. Definitely looks like I need to check other Insurance Agencies. By the way, my plan is with Am Fam.

[Cliff Wagenbach]

Thanks everyone. Definitely looks like I need to check other Insurance Agencies. By the way, my plan is with Am Fam.

I have been insured by American Family for many years! A great insurance company! Very happy with them!

My fish house was covered under my homeowners insurance by them until I started renting them, then I had to cover them under a separate commercial policy. Very reasonable!

Cliff

[dougger222]

Don't put the fish house under your home owners policy, get a seperate policy. For a few hundred bucks a year you can get a seperate policy and if you should have to file a claim it won't effect your home owners policy. Most insurance companies give a discount for no claims in 3-5 years.

I had Am Fam for everything except my business for several years and this past year they really hiked the price up. The rental went from $900 to $1,200 and the personal went from $1,700 to $2,400. The auto's stayed the same. Decided to drop all polices with Am Fam and saved $500 on the rental and $1,200 on the personal house.

As a contractor who works insurance claims with most carriers have to say another reason why I dropped Am Fam was how they treated the policy holders lately. They pay good but it can be tough to get them to pay!

Now insure with Auto Owners, who will consider a shingle and siding match not matter the tabs or the line...

[dougger222]

Also, just so you guys know with declared values on your fish houses. That's only a number they want to plug in to figure your insurance premium. At time of loss they will do research and give you the current market value.

There are only a few insurance companies who will insure for an agreed upon number. Typicaly it's for collector cars and it takes a ton of pictures to determine an agreed upon value. One I know of needs something like 50 pictures to value it.

One thing I've learned over the years. An insurance agent will tell you one thing while an insurance auditor and insurance adjuster will tell you another thing.

[merc]

Auto Owners, cheaper but don't have a claim.

[FIRECAT]

$78 a year $8000 value $250 deductible Hartford through AARP I put this on a seperate policy and not on my homeowners.