If you’ve been inspired by "MacGyver" reruns to buy a houseboat, there’s something important you should know about insuring it. Even though it’s called a "houseboat," you insure it under the "boat" part of its name.
Insuring Your Floating Home
Every type of housing has its own insurance coverage, but houseboats are covered under boat/watercraft insurance. Even though people live in houseboats full-time, their status as watercraft overrides their status as a home. When you purchase your houseboat, contact your JD Insurance Group insurance agent to create a boat insurance policy for it.
You’ll need to provide your insurance agent with the location in or around Beaumont, TX, where you moor your houseboat. Also, provide your agent with an inventory of personal property kept in your new home.
Adding Scheduled Coverage and Riders
Typically, a policy for a houseboat starts with coverage for physical damage, liability, personal belongings, and salvage costs. The boat owner customizes their coverage from there, adding scheduled coverage for high-value items. What might you want to schedule? Most people schedule items such as an engagement ring, hobby equipment (like photo or video equipment), and expensive electronics like their computer and stereo system. Your insurance agent can also help you add a rider to protect your financial investment in your home business.
Contact JD Insurance Group Today
Call or email JD Insurance Group today to get your watercraft policy started. Living on a houseboat in Beaumont, TX provides a serene and peaceful way of life with a yard of water you never need to mow. Protect your houseboat investment with boat/watercraft insurance.