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XINSURANCE Has Your Houseboat Liability Insurance Covered
Living in a houseboat is a unique way of life. Whether you choose to live in one permanently or if you rent out houseboats to vacationers, they are generally considered safe and easy accommodation. However, as with any water-based vessel, accidents and incidents can easily occur, making houseboat liability insurance a must.
You never know when something might go awry with a houseboat. Your boat could leak oil, damage someone’s property, or collide with another vessel. Rented boats are often in the hands of inexperienced drivers, increasing the risk of liability.
While you cannot prevent accidents, you can cover yourself in the event you’re found liable for one. Houseboat liability insurance is your best defense against liability claims.
If you are found liable for an accident, it can cost you significantly. In 2018, a houseboat driver was found to be negligent after reversing a rented houseboat over someone and causing bodily harm. The plaintiff was awarded $4 million in compensation.
Being found guilty of a claim this big would bankrupt most people or at least ruin them financially. Houseboat insurance can cover the cost of liability court cases. And it can do so whether you are found liable or not.
How to Prevent Incidents
The first step to protecting yourself from liability claims is to ensure your houseboat is operated responsibly. By not behaving negligently, you are far more likely to prevent incidents. This includes:
- Ensuring all drivers are properly trained in maneuvering the vessel
- Keeping the houseboat well-maintained and in good condition
- Performing regular safety checks
- Never driving the houseboat under the influence of alcohol or drugs
- Keeping all necessary permits and certifications valid and up to date
- For everything else, there’s houseboat insurance for liability.
What Does Houseboat Liability Insurance Include?
Many houseboat owners are surprised to learn that their general insurance policies don’t cover liability for houseboats. Or, if they do, there are gaps/exclusions leaving you exposed. XINSURANCE is different. We have over four decades of experience providing insurance solutions to high-risk or difficult-to-insure activities.
XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We take an “all-in-one” approach with our clients by taking experience levels and operations to determine the type of coverage required.
We are renowned for our ability to offer coverage to people who have a claims history and those who have been denied coverage in the past. Our houseboat liability insurance solution is no exception. We are confident that our coverage is extensive and adequate, including:
- 3rd party property damage
- 3rd party bodily harm and injury
- Coverage for older houseboats
- Pollution damage
- Hull coverage
- Multiple captains
- Watercraft retrieval (optional)
- Wreck removal, including towing and stowage (optional)
Our solutions to houseboat insurance include coverage for personal ownership or cooperation owners. Whether your houseboat is the latest model with all mod-cons or you own a vintage houseboat, XINSURANCE can protect you against liability claims.
How to Get in Touch with XINSURANCE
If you own a houseboat and don’t yet have liability coverage, don’t delay. Get in touch with XINSURANCE today. Even if you do have coverage, ask us for a quote – you could be pleasantly surprised by what we offer.
There are several ways to get in touch with the team here at XINSURANCE. Please use your preferred method to receive a free, no-obligation quote.
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If you ever have any questions about our products, including houseboat liability insurance, then please don’t hesitate to contact us. You can chat with an experienced team member. A wealth of expertise backs us up, so we welcome all queries.
Houseboats can make for a tranquil and simple way of life. At least until an incident occurs. Don’t let your lifestyle turn into a nightmare. Ensure you’ve got your back – and your boat – covered with houseboat liability insurance from XINSURANCE.
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.