Property insurance houseboat: what is involved?
Do you live on the water or plan to live on the water? If so, you need good insurance! More people are living on houseboats these days, so the supply from insurers is going up. It is estimated that there are between 10 and 15 thousand legally occupied houseboats in the Netherlands. This is beneficial for you, because this way the premiums go down as well. However, it is important to look carefully at the conditions of the insurer. These can differ and not yet every insurer offers options for houseboat building insurance. You can read about the houseboat insurance and the points you should pay attention to in this article about the houseboat insurance.
Property insurance houseboat insurance
Property insurance for houseboats is often similar to home insurance. However, it is often the case that insurers look more critically at insurance for a houseboat. You run different risks on a houseboat than on the mainland and insurers generally have less experience with this type of insurance. It is a good idea to have your wishes and requirements for houseboat property insurance clearly listed before you start your search. This will make the search easier. Often you will end up with a well suited insurance for your houseboat.
With the building insurance houseboat you insure the immovable property on your houseboat. Immovable property is property which is permanently united with the ground. This sounds strange because a houseboat is not united with the ground. Insurers have stretched this definition a bit in the houseboat situation. You can compare you houseboat to a house in this sense. The immovable items in this sense are, for example, the walls, the built-in kitchen, or the bathroom. The things that you cannot simply move.
Different property insurance coverages houseboat
As with building insurance for a residential home, there are also different building insurance policies for a houseboat. The coverage you choose, along with the rebuilding value determines the premium you will pay. Property insurance for houseboats includes the following coverages:
- Fire coverage, this is the least comprehensive insurance;
- Extended variety coverage (UGV);
- Extended variety coverage + (UGV+);
- All-risk coverage, the most comprehensive coverage.
These coverages pay out damages that can be caused by such things as: fire, storm (from wind force 7), lightning, burglary or vandalism.
Living on the water carries more risks than living in a row house. It is therefore important to insure your houseboat properly. It is also important to carefully read the policy conditions before taking out houseboat insurance. This way you know what is and what isn't insured by the insurer. In case of damage you will not be surprised. It is also important to calculate the reinstatement value well before taking out a houseboat insurance. This prevents underinsurance.
Take out your houseboat building insurance through Alpina: simple and affordable
Are you considering taking out houseboat insurance? Then take it out now through Alpina! We have the right coverages for every situation. Always at the most competitive premiums. Do you have any doubts or questions about our houseboat insurance? Please feel free to contact our customer service. They are happy to answer all your questions.
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