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Originally Posted by Hud3  When I recently renewed my T.L. Dallas insurance policy, one of the questions on the renewal questionnaire was, "Is this boat your full-time residence?" I can only assume that the policy premium would be affected one way or the other by the answer to that question, but I'm not sure how. |
It's possible to buy liveaboard policies that cover you off the premises much the same way that a homeowner's policy does. I have a liveaboard policy that protects me against liability claims when I'm off the boat, and provides for additional living expenses if the boat becomes uninhabitable, and covers theft of personal items on and off the boat. For example, if you break into someone's car and rip off the golf clubs, most people would be covered under their homeowner's policy. Steal my golf clubs and I'm covered under my liveaboard policy.
Back to Hud's question, my guess is that they ask the question on the renewal questionaire so that they could sell you more insurance if you were a liveaboard.