Insurance for your Ice House

[ozzie]

you can endorse a camper policy (fish house) to cover the contents but otherwise personal property is covered by the homeowners policy and if you want to schedule items under the homeowners you need to give appraisels or reciepts to the agent and put them on your policy for an extra cost then if they are lost or stolen you would not have to pay a deductible.....otherwise you have to pay your deductible which in my agency is basically $1000 for homeowners or $250 on renters......Good Luck

PS your premium is usually determined by the value of the fish house.....so the more expensive the house the more the insurance......

[minndonn]

I insured mine with the auto policy as a trailer. I would not put anything trailers, ATV etc on the homeowners as they can cancel you very quickly if you have too many claims (3). On the homeowners ATV coverage I had two deductables taken, one for the ATV and another for the personal property that was with the ATV but not attached. Also the homeowners ATV part of the coverage did not cover any attached items that were not also listed on the policy. The winch was not covered even though it was on the purchase agreement that I gave to the agent when I bought the insurance. Also the gun racks that I had attached during hunting season were not covered. They were not covered by the personal property either.

[ortonville]

i had a buddy that had his house stolen about 3 years ago.it was only a 6x8 no wheels or anything like that and his home owners covered it. it was never seen again who nows what happened to it.but my Question is if a ice castle or any manufacterd house for that matter is stolen what are the chances of ever finding it and getting it back? i would think that 90% of the stolen house's become meth labs but that is just my thinking.do manufactured house have serial # or vin #'s. it's just every ice castle looks the same

[pegleg]

After reading this link, I checked with my agent to see if I have a policy on mine. He said I didn't so he added it to my vehicle insurance... A total of a whole $13 for a $5,000 fish house.