Insurance on ice shack?

[mysnopro]

Got 2 wheelhouses, but last time i tried to insure them up in maine the agent was in the dark! Any ideas on who to call?

[ihc1]

State Farm insures them, I just talked to an agent about that today. Let me know if you would like the agents name and number.

[JRB fishing]

I have State Farm to and have had insurance on mine for 6 years.

[fowldreams]

Have your agent put it through as a rv/travel trailer.

[2thepointsetters]

Progressive insures them also

[Iambjm]

Progressive insures them also

Progressive refused to insure mine, could be because I made the mistake of telling them it was for ice fishing.

[Redlineracer12]

Have your agent put it through as a rv/travel trailer.

This. Mine (Yetti) even came up correctly when they entered the VIN number.

[bturck]

We insure them for our clients on the auto policy if it was a pull behind and licensed by the State. If it was a skid house it came under the homeowner policy under coverage C ( contents ). Each. State can different in their insuring guidelines. If it's titled in another state it may not be eligible for Mn coverage. A good agent should either have the answer or find the answer

[minnesotathorn]

American family did mine

[CrewJones]

allstate insured my truck and ice shack would even cover if it broke through the ice.

[castmaster]

]

Progressive refused to insure mine, could be because I made the mistake of telling them it was for ice fishing.

[MuskieJunkie]

Great thread, I've often wondered will a company pay out for one that went through the ice. I"m sure most agents just write them up under a standard RV policy.

I wouldnt call that a mistake! A lot of guys think by "misleading" an insurance agent into covering something they wouldnt have otehrwise they really pulled something off. All they have done is guarantee a nice profit for the insurance co. who can take the premiums on a policy they will NEVER have to pay out on

+1

Think about it this way, when you put in a claim the insurance company has an employee who's job it is to find a reason not to pay out on the claim. I would think taking an item insured for summer use as a camper onto a frozen lake would instantly get that claim denied.

Does anyone have a company that is insuring them as an ice house for use on frozen lakes?

[Lip_Ripper Guy]

State Farm insures mine. I think it is around $200-250/year for $25,000 in coverage, $1,000 deductible. Covers anything.

The posts above are spot on regarding misleading your insurance company. That isn't a road you want to go down. Best case they don't cover you. Worst case is much worse.

[Mlaker3]

I never lie to my agent, never, he decides where/how to insure me. He insured mine as a camper, and knows it is a fish house. If something happens not exactly as the company determines is correct, they are bound to what the agent wrote for you. He also must have errors and omissions insurance in case this came up.

[castmaster]

Mlaker,

That may or may not be true, depending on whether the agent is "stand up" or not. I have a friend who went through it on a boat. I dont remember exactly how it played out, but the agent had done something to save the guy $ on premiums figuring it would never be an issue. Well when it became an issue my friends claim was denied. It went to court and he tried to use the "errors and omissions" law/clause and my friend lost! He had no proof other than his word that it was the agents doing and not his own. The court believed the agent had less reason to take that risk than my friend did, so believed it was not the agent who "lied" to obtain the policy.

Short of getting something in writing from the agent that they know they are selling you a policy not entirely in accordance with the way its written, or you get them on tape discussing it, its going to come down to a he said she said in 99% of the cases.

[Chad Holst]

But if the agent knows its an ice house, and is willing to insure it, then why wouldnt that be in the writing? If you get insurance and the agent doesnt/isnt willing to write "fish house/ice house" on the insurance, then i would get a new insurance agent.

[blue_healer_guy]

I totally forgot mine was insured and the hail storm came thru in 2011 and i got a nice check for 3000. The agent actually reminded me . American Family.

[castmaster]

But if the agent knows its an ice house, and is willing to insure it, then why wouldnt that be in the writing? If you get insurance and the agent doesnt/isnt willing to write "fish house/ice house" on the insurance, then i would get a new insurance agent.

There is a few reasons....

Some companies wont insure a fish house, and following that means your business walks out the door, so they try and figure a way to write the policy.

Some are simply clueless when it comes to fish houses and are a little lazy when it comes to doing their research. Easier for them to just call it a camper and be done with it. now there is where it could turn into your word vs theirs if there were ever an issue. If all its listed/insured as is a camper, and that company doesnt insure fishouses, what prrof does one have that the agent knew it was really a fish house being insured and that the insured didnt lie and tell them it was a camper?

Some agents try to find a fit they think will work and save thier client a little $ in premiums. My guess is most companies that do insure fish houses are going to have a higher premium on a unit being used on the ice than they are for a standard dry land camper.

And it can be a totally different story even within the same company, just different agents. My American Family agent I use for my vehicles couldnt figure out anyway to insure an ice house with the policies they offer, while others have their houses insured with AmFam.

And like I said previously, as the new houses get to be the more common ones this becomes less of an issue. A new house that has VIN# and a RV rating should be no trouble to insure. A 1999 home built house with no serial # of any kind on the frame is going to be pretty tough to insure.

[outkast7222]

Mine is insured through Statefarm, GEICO declined to cover it. Only about $20 a month for 16,000 in coverage.

[dirt292lv]

all-state was the best i found they know what it is and used for even told me I'm covered under the ice I have 26' ice castle and pay a little less then 300 a year with all the stuff inside covered also