Insuring crank-down fish house

[Big Dave2]

Does anyone here insure thier fish house? I know that my vehicle insurance would cover in case of an automobile accident, but what about theft of vandilism? There are some guys out there that have a lot of money tied into thier houses, just wondering if there is insurance out there to buy? If so, what kind is it? RV insurance, or something else?

Thanks,

Dave

[CraigM]

you might want to double check how well you're insured while towing. According to my agent, I'm only insured for $1000.00 on the fish house with my auto policy. It is less than $100.00 to insure it for $15000.00 for a 6 months period to cover it for everything. Check with your agent.

[crappace]

My agent has told me since it does not need to be licensed on the road, it is covered under my homeowners.

[beer batter]

I believe most fish houses would be covered under home owners but the problem with that is most home owner insurance has a pretty high deductible ($500 range). I think I got some extra insurance on just the fish house basically to cover the deductible. Costs around $20 per year.

[New Yankee]

BD2,

Your auto policy cover you for liability that accures as a result of it being towed behind your insured car/truck. Most auto policies have endorsements availible (just like a travel trailer) so you can cover the value of the house and contents if you wish.

Homeowners would cover a fish house with wheels up to $1,000, one on skids just as personal property. You'll usually find the coverage specific to the property being insured is broader than that availible from your homeowners policy, which has a list of perils insured and generally not 'all risk'.

[Animal]

I have AmFam and I insure my fish house as a utility trailer. I have a stated value policy for $4000. Cost $69.00 this year. Theft of equipment is covered under my homeowners to which I have added specified items for an extra premium.

[Frozen Fingers]

My agent told me it was covered by my homeowners as well. She also said it did not matter if it was being towed or where it was at the time.

[Augusta]

I just talked to my agent. He told me I had to have it listed on my homeowners policy. They will cover it, at additional cost, he said that it wouldn't be very much and that I would be covered at all times. I think it's best for anyone who is concerned about insuring their fish house to talk to their agent.

[Ole1855]

There is one big drawback to insuring your fish house on your homeowner's policy. If you're looking to cover things such as weather related damage or damage that may be done during towing, that's not too much of a problem, where the problem lies is theft. If you insure your fish house on your homeowner's and you make a theft claim, your whole homeowner's policy premium WILL be surcharged. On top of that, don't plan on shopping around for cheaper insurance when it does go up because your insurance report will show a theft claim and there's not too many companies that will take you and the ones that will, will not be cheap. I always tell my insured's to have separate policies for their toy's. An individual policy for the fish house will cost you a little more than adding it to your homeowner's but if you ever plan on making a theft claim, more than likely it will be cheaper in a long run.

Ole

[Augusta]

Good advice Ole, I'm going to make sure my fish house is seperate from my homeowners policy.

[sunnyj]

Not all companies surcharge for theft claims. Check with your agent. Listing it on a separate policy is a good idea, if you have two noweather related claims on your homeowners policy the state says your company can norenew you. Plus insuring it by its self will make your agent a little extra change so he can go fishing too

Yes I'm also an agent.

[Ole1855]

sunnyj,

You are correct, not all companies surcharge, most do though, and when you ask your agent if they surcharge for a theft claim, ask them what % they surcharge, that varies from one company to the next also. One of the companies I insure through, has a 30% surcharge, if you're paying around $1000 for homeowner's, you can do the math.

Ole

[fishinalot]

If you have a serial #, insuring them should be easy.

[minndonn]

DO NOT INSURE ON HOMEOWNERS. If you have a coupleclaims the company will cancel you. Then you have to go to the State which costs about 30 to 50% more and does not cover replacement. Any homeowners should be high dductable because you can not afford to be canceled. I added it to my auto policy for about 40.00 a year. Insured for 5,000.