Winter and ice fishing season is never too far away in the land of 10,000 lakes. Hearty Minnesotans will soon be hitting the frozen lakes in search of their prized muskies, northerns and walleyes.
With the evolution of technology in all areas, the ice houses have followed suit. Evolving from their now archaic, plywood ancestors into insulated, sometimes sided and shingled livable spaces with some of the comforts of home.
So, how do we cover something as sophisticated as that?
Call AB&B Insurance. We will customize an icehouse policy custom tailored to your specific needs.
Here are some things to consider...
1. If the fish house is ON A WHEELBASE (axle and wheels) and can be pulled, some companies are now allowing the agents to list them under the Auto Policy, as they would a trailer.
2. However, if the fish house is NOT ON A WHEELBASE , the coverage would come from the Homeowers/Renters Policy. It is considered a “contents” item and would be subject to the named perils listed in the policy.
NOTE: Please keep in mind that if the fish house is indeed on a wheelbase and not listed on the auto policy, it is still considered a trailer and the Homeowners/Renters will limit coverage to $1000. Keep in mind on theft losses, the $1000 coverage is only available if the fish house is stolen from the residence premises. If it is stolen from another location, there is no coverage at all.