fish house insurance

[papabear]

Anyone insure thier fishouse?

[dirtking]

I do - I told them it was worth $ 7,000 and it costs me $47 a year. I'm not positive on my deductable - I would guess $250 or $500 but I am covered if some one steals it or it burns.

[nytelyter]

mine is fully covered thru my home owners insurance. at home, on the lake, and on the ice. full replacement and a 250 deductable. ... paul

[papabear]

Thanks guys. I tried to insure mine last year and called my auto insurance and cold not understand what i was talking about so i havent got it yet.

[broman]

My insurance guy said that it wasn't worth doing because of what a claim would do to my homeowners insurance rates.

[ice_it_06]

papabear:

My fish houses if custom manufactured were always covered on my auto policies. They were dedicated to the tow vehicle and were insured as a camper policy. These things now days are no different then a camper but manufactured as fish houses. You get a "toy hauler" then you enter another arena as it dual purpose, but any single door fish house custom manufactured you should easily be able to insure for its value.

Pull it down to your agents office if need be. When I had my Ultra Shack they could not believe it was a Fish House

They just used the options, size and such and equated it to a camper rate. I just sent in a album of pics and the serial number and manufacturer info.

They asked if they could come look at it just because they had never seen such a thing, but getting it covered was no issue.

[Hazzard]

I put insurance on mine through american family they wrote it up as a camper with a $250 deductable two months later we had a hail storm, my fish house looked like a golf ball with all the dents. They came out looked at the house and gave me $4000 to reside it and my rates never went up.

[ozzie]

alot of agents or companies don't insure them correctly....i.e under homeowners policy!! most home policies are standard for the state as to what they cover and if your house has wheels you are not properly covered unless it is on your homes property...plus like stated if you have a claim they can cancel your homeowners policy if you have a fishhouse claim and an actual home claim!!! do as stated and insure as a camper/trailer!!! best coverage and cheap usually!!!

[ozzie]

you done it right!!!! and with a good company!!!

[fishinalot]

Some insurance agents think they are but really don't know for sure. If your agent tells you it is, have it in writing.

Most will be covered if they are on skids, but if they are on wheels you may need to add it to your homeowners as a camper/rv/fish house.

[cold one sd]

My house on wheels is insured with a separate American Family camper policy. My agent said that since it is on wheels it has to be this way. He hadn't insured a fish house before and made several phone calls to make sure that he did it right. According to him my homeowners wouldn't cover it because it is on wheels if it came loose and flipped in the ditch.

[Shack]

I have been told my permanent house on Mille Laces (on skids) would be covered by my home owners policy. I doubt I would ver make a claim, unless it burnt down. I should talk with my agent about this.

[cold one sd]

I talked to my agent this morning and if I heard him right he said that home owners ins will cover it while its on your property. When off of your property there can be some issues if it is damaged or stolen. This seems to be a touchy issue with some gray areas. I wish I had a better understanding of the issue.

[Scott K]

I have a 28' enclosed trailer, and I had some stuff stolen out of it when up at millacs ice fishing, I didnt even notice stuff was missing until I got home. I reported it to my local police dept. and also called the police dept from milaca to report it, I called my insurance agent and asked if I was covered at all he said yes, my home owners will cover it. I had vehicle insurance through the same place that covers the trailer for $20 a year, and I thought they would be the ones covering, but the house insurance paid it.

[ice_it_06]

cold one sd:

Mentioned earlier by Ozzie, most agents incorrectly apply it in the home owners area. You need to get a seperate rider or a recreational/camper policy for it in order to cover it during use.

Some might actually cover it within home owners, but I would make darn sure I have it writing and that they know the exact intended use of the covered item. Mine had a stipulation of " no over night on lake not occupied" clause to it. Didn't bother me as I never left mine alone, or even unhooked from the the truck.

Take pics of the house, get a current appraisal from the manufacturer, and tell the agent you need a camper policy or addendum to your auto policy to cover it.

Most think a box of wood nailed together when they hear (fish house) so you need to clarify its high end custom just like campers they insure by the hundreds.

Can be a real hassle I know, but make sure you understand your coverage and the insurance companies responsibilities.

Itemize any and all values of options/equipment that is not portable and left in the house. All of my stuff was hard wired and permanently mounted which upped the value quite a bit.

Some agents just dont want to do the ground work for you to get you covered simply because they don't know and or dont want the hassle.

Time for a new company if you have one of the such.

Good luck

My agent was with Farmers and she lived on the shoreline where I fish 75% of the time about 100 yards away. Her and her husband would watch me through the binoculors all the time. (lol)

[ozzie]

with the homeowners the fish house is considered personal property and alot of personal property is not covered off the homeowners property...i.e lake.........if it is a wheel house get a camper policy and if you are to have items to worry about in the fish house get the personal property endorsement on the camper policy.

[cold one sd]

As I said in my earlier post, I have a separate camper policy for my wheel house. Someone on here said that if you haul an ATV inside the wheel house it can get a little touchy. I called my agent and asked him about this and he said that they insure a camper or cargo trailer about the same and it would make no difference if I haul my ATV or not. It seems like these days you have to make sure the gray areas are taken care of. I read a post once about some guys that were going ice fishing and stopped to buy supplies at a mall. While they were inside someone took their ATV and trailer. The homeowners insurance didn't cover it because it was hooked to the pickup. If they had unhooked the trailer from the pickup it would have covered the trailer, but an ATV needs a separate policy. Too complicated for an old coot like me. I depend on my agent to take care of these things for me.