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Marine Insurance | Houseboat Insurance


Insurance is but a natural part of your scheme of things. You should have a good idea of what your houseboat insurance covers to ensure that you have covered all bases. Only then will you be able to sail off into the sunset with lesser fears.
 

Clearing Misconceptions on Houseboat Insurance


By Bert Skipper at 2012-01-30 02:46:17
No matter whether your mode of transportation is via road or sea or even air for that matter, getting the right kind of insurance is absolutely essential. While insurance for air travel covers safety and illness, when it comes to your car on the road or your holiday houseboat, insurance covers more than just life. Investing in a houseboat is as big as buying yourself a new home. Insurance is but a natural part of your scheme of things. You should have a good idea of what your houseboat insurance covers to ensure that you have covered all bases. Only then will you be able to sail off into the sunset with lesser fears.

There have been several surveys that have conducted to understand better where people tend to get confused about their houseboat insurance. One of the basic misunderstandings is that your home insurance will cover your houseboat. This kind of confusion is often with those home and house boat owners who also own several other water-based modes of transport. You have to remember that no on-land house insurance will cover your houseboat.

The next thing you have to ensure about your houseboat insurance is that it is covered in all the waters that you plan to sail on. Houseboat insurance is not a comprehensive one that covers you everywhere you go. Basic plans cover just 100 miles from the port you consider your home base. Insurers sometimes are able to provide you with insurance only for the most popular areas that boats often go to.

There is a misconception the premium you pay on your houseboat insurance is higher simply because the area may be prone to hurricanes. Keep in mind that the premium on your houseboat insurance is dependent on how many claims are filed in your city and how many payouts are made by your company. This goes to say that you will not pay more for hurricane coverage in your city, simply because it is a possibility in one of the areas that you are going to.

And one of the most common misconceptions is that the cost of your policy will come down if you purchase it from a dealer that you already have other policies with. You may get a discount and it may bring your overall premium rates down a little bit, but the individual premium value of your policy will remain the same no matter where you purchase from. Just as you would for any other sort of insurance, look around for the best policy.

Welcome to American marine insurance, We are the leading sailboat insurance providers across nationwide and around the world. American Marine Insurance bring over 35 years marine experience ranging from private pleasure yachts to houseboat insurance to long distance extended navigation. The most important assets of American Marine Insurance are each and every client we insure. Servicing our customer base is our primary purpose and each of our agents and our customer service staff are dedicated to that principle.
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