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Where to get houseboat insurance?
Hi boatin' folks,
I have recently bought a 1968 Lazy Days, 43', aluminum hull. I'm worried that I won't be able to keep it due to problems getting insurance. I have 2 speeding tickets and 1 running a red light against me in the past year, and this is my first houseboat so I have no experience. Also no boating safety courses to help out. All I really want is liability...at least to start with. One company said they will give me full coverage for about $460/year, but I'm afraid they will eventually turn me down because of the traffic violations, and also the age of the boat. I tried Boat US, and they turned me down because of my driving record and lack of experience with houseboats. They did get me a quote from another company--$1100/yr for just liability, and that required an out of water survey done on the boat which would be another $1K or more most likely. Can anyone suggest a company that might help me out and be affordable? Would a boating safety course or more help me out, and if so which ones and how to take them? This is all new to me, and I'm in a world of confusion. Thanks for any help!!! David |
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