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Thread: Insurance coverage in brackish water

  1. #1
    Junior Member
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    Insurance coverage in brackish water

    Just sold our trawler and looking to buy a "coastal cruiser". For insurance purposes are these considered house boats? The boat that I'm looking at is a Holiday Mansion Coastal Barracuda.

    When I fill in houseboat I get a rejection. We live on a tidal river so change of location is not feasible.

    Anyone know of a company that will insure one in coastal Georgia?

    Gary

  2. #2
    Moderator BananaTom's Avatar
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    Lynn Stem
    Kaigler & Company
    7028 Church St East
    Brentwood, TN, 37027
    615-376-0798

  3. #3
    Moderator BananaTom's Avatar
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    An out of water survey will be required

  4. #4
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    I wouldn't buy a boat without an out of water survey.

    Gary

  5. #5
    Moderator BananaTom's Avatar
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    Quote Originally Posted by Seafarer View Post
    I wouldn't buy a boat without an out of water survey. Gary
    That is good, there are many that have, and then learn.

  6. #6
    Administrator Zilpo55's Avatar
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    Not every insurer requires out of water inspection on fresh water inland lakes like mine. I assume only aluminum hulls get a pass. Our surveyor did a "modified sea trial", where he ran the boat tied to the dock while observing and listening carefully.

    Having said that, it's a good feeling to actually see the bottom of your boat as we did 2 years ago.

  7. #7
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    I will be using the boat on the ICW so it will be in salt water.

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