Protecting Your Floating Home: Customized Houseboat Insurance
At Rich Insurance Agency LLC, we offer bespoke houseboat insurance solutions for residents in the Kansas City, MO region. We collaborate with our customers to design insurance packages that shield their floating homes and their contents, ensuring protection from potential financial losses.
Tailored Coverage for Your Houseboat
Since a houseboat is your full-time residence, you’ll need insurance that mirrors the type of policy you’d buy for a land-based home. While you’ll purchase a boat or watercraft policy, it should cover your liability, personal property, and the structure of your houseboat. Some owners opt for extra coverage for high-ticket items like big-screen TVs, computers, and radar equipment.
Making the Most of Your Liability Cover
Every boat owner needs liability coverage. It helps cover the medical costs for any individual injured in an accident you cause or one that happens on your houseboat. Furthermore, in case of more severe personal injuries, this coverage offers protection from potential lawsuits.
Covering the Structure and Personal Property
It’s essential to have insurance covering your houseboat’s structure in case it incurs damage. Whether due to an accident or adverse weather conditions, insurance can cover repair costs, preventing you from having to foot the bill. Furthermore, personal property coverage protects high-value items, ensuring that items like electronics are covered if something unfortunate happens.
The Benefit of Additional Structural Coverages
The main property policy primarily covers structural damages, but adding hull coverage can safeguard against significant damage, such as a hull breach. This coverage applies regardless of who caused the accident. Additionally, comprehensive coverage can protect against the usual perils that a home on land would encounter, including fire, lightning strikes, hail, and tornadoes.
Learn More about Houseboat Insurance Today
If you’re interested in safeguarding your floating home, reach out to us at Rich Insurance Agency LLC today. Our custom-tailored houseboat insurance solutions give you the peace of mind of knowing your houseboat is adequately protected. Don’t set sail in the river banks of Kansas City, MO until you’ve made sure your houseboat insurance fits your needs.
