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Houseboat building insurance: what's involved?

Do you live on the water or do you plan to live on the water? Then you need a good insurance! Nowadays more people live on a houseboat, so the offer at insurers goes up. It is estimated that there are between 10 and 15 thousand legally owned houseboats in the Netherlands. This is good 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 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.

Take out houseboat insurance

The houseboat insurance is often the same as the 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 land and insurers generally have less experience with this type of insurance. It is good to have your wishes and requirements for the houseboat insurance well in a row before you start looking. This makes the search easier. Often you will find a good fitting insurance for your houseboat.

Houseboat building insurance

With the houseboat building insurance you insure the immovable goods on your houseboat. Immovable goods are goods which are permanently united with the ground. This sounds strange because a houseboat is not connected to the ground. Insurers have stretched this definition somewhat in the situation of the houseboat. You can compare your houseboat in this sense with a house. The immovable goods in this case are for example the walls, the fitted kitchen or the bathroom. The things you cannot just move.

Take out Home insurance? Compare premiums!

Different covers for houseboat building insurance

As with the building insurance for a house, there are also different building insurance policies for a houseboat. The coverage you choose, together with the reinstatement value determines the premium you will pay. The houseboat building insurance has, among other things, the following coverages:

  • The fire cover, this is the least comprehensive insurance;
  • Comprehensive cover (UGV);
  • The Comprehensive Risk Coverage + (UGV+);
  • All-risk cover, the most comprehensive cover.

This coverage pays out for damages that may occur as a result of, for example: fire, storm (from wind force 7), lightning strike, burglary or vandalism.

Living on the water involves more risks than living in a terraced house. It is therefore important to insure your houseboat properly. It is also important to read the policy conditions well before taking out houseboat insurance. That way you know what is and what is not insured by the insurer. In case of damage you will not be confronted with surprises. It is also important to calculate the reinstatement value properly before taking out house building 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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