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Go Back   SailNet Community > Out There > Cruising & Liveaboard Forum > Living Aboard
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Old 07-17-2006
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Newbie wants Insurance for Live-aboard

I'm in love with a 1968 yacht moored in Seattle. I never thought that I could have any sort of waterfront property... and then this boat came along. I can afford it, and I'd be perfectly happy just to keep in moored and live on it.

The problem is that I've never owned or operated a large boat before. And as soon as I mention that to insurance companies, they hang up on me. I have told them that I wouldn't be driving it around; I wouldn't mind a restricted use; I could get a captain if want to move it, etc... but no dice. The age of the boat, or the fact that I don't have experience has been disqualified me from numerous insurance agencies.

Please let me know if you have any suggestions for getting this boat under a policy so that I can start living on it.

Thanks!

Last edited by Toyboat; 07-17-2006 at 10:54 PM.
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Old 07-18-2006
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Were you trying for full coverage, or just liability coverage?
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Old 07-18-2006
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Have you gotten a survey on the boat? Have you bought it yet?

If not, and you are serious about getting the boat....call up Christine at Hartge Insurance, in Annapolis, MD, and ask her about what options you have for insurance. She represents a few different marine/yatch policy companies, and can probably find a policy that will cover you.

If she can, then get a survey on the boat...
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Old 07-18-2006
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Progressive will give you a boat quote right online.
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Old 07-18-2006
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I gave you my version of this answer as a reply to another of your posts, but here are my two cents again:

American Marine insurance, the broker is Derrick. Its who we use and I know he's written policies others wouldn't. They can do this because they use a wide variety of underwritters.

Hope it works out

Harry
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Old 07-28-2006
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Not trying to hijack this thread, but as a new live aboard, I also will be looking for insurance and will want full coverage. Are rates generally higher for liveaboards?
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Old 07-29-2006
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Eagle...Not really...BUT...most liveaboards travel over a wide area and coverage for broad nav areas IS more expensive....how much more depends on how far you're going AND the likelihood of a claim...i.e.hurricanes, theft, ocean passages etc.
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Old 07-30-2006
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Liveaboard rates are generally higher, as the boat is in use more, and the insurance also generally has to include your "household" liability, which isn't the case in non-liveaboards. A good example of "household" liability is if your dog bites someone....this isn't generally covered under a standard yatch policy, but would generally be covered under a liveaboard policy. YMMV.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.

—Cpt. Mal Reynolds, Serenity (edited)

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