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Old 12-01-2020, 12:05   #1
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Home designed, home built insurance

A number of you are out there sailing without insurance coverage. Id like to pick your minds. I am considering building a boat of my own design, I have experience in this and it is not the subject. As I call around I have had little success in finding anyone who will insure such a boat, even with a favorable survey. All I am looking for anyway is liability so that I can occasionally go in a marina for a stay or dry dock at a yard. What do you folks do ? Anchor a lot I am sure. Private docks ? Storage ? Thanks.
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Old 12-01-2020, 12:14   #2
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Re: Home designed, home built insurance

There are many thousands of "home-built" boats at sea covered by every kind and level of insurance.

Just takes more digging and persistence.

And maybe an actual boat all surveyed and ready to go at hand.

Document each stage with photos, get professionals involved at the critical ones, keep all receipts. . .


Edit: yes the self-designed may be a high hoop, could you get a qualified NA to sign off on the plans?
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Old 12-01-2020, 14:07   #3
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Re: Home designed, home built insurance

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Originally Posted by john61ct View Post
There are many thousands of "home-built" boats at sea covered by every kind and level of insurance.

Just takes more digging and persistence.

And maybe an actual boat all surveyed and ready to go at hand.

Document each stage with photos, get professionals involved at the critical ones, keep all receipts. . .


Edit: yes the self-designed may be a high hoop, could you get a qualified NA to sign off on the plans?
Yes, I might find a NA to do that, but I must admit this kind of hoop jumping makes me weary. Thanks for the reply.
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Old 12-01-2020, 14:09   #4
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Re: Home designed, home built insurance

The less trod path is always more difficult

Sometimes need to carry a machete
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Old 12-01-2020, 14:40   #5
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Re: Home designed, home built insurance

Having built my own boat I've met many others who have done the same. None has had any difficulties in obtaining insurance.

A couple of these also designed their boats, again, no problem with insurance.

I've had insurance through Nautilus, QBE and now Topsail.

Others I know have used Elders, Nautilus, QBE, Topsail, Pantaenius and Club Marine.
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Old 13-01-2020, 09:21   #6
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Re: Home designed, home built insurance

Designed and built my own 36' schooner. Had it surveyed by Llloyd's and professional photos. Had no problem insuring it through Boat US.
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Old 13-01-2020, 10:44   #7
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Re: Home designed, home built insurance

Find someone with a home built that had insurance and see who their carrier is.
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Old 13-01-2020, 10:48   #8
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Re: Home designed, home built insurance

[QUOTE=captlloyd;3054363]A number of you are out there sailing without insurance coverage. Id like to pick your minds. I am considering building a boat of my own design, I have experience in this and it is not the subject. As I call around I have had little success in finding anyone who will insure such a boat, even with a favorable survey. All I am looking for anyway is liability so that I can occasionally go in a marina for a stay or dry dock at a yard. What do you folks do ? Anchor a lot I am sure. Private docks ? Storage ? Thanks. [/QUOTEI

I believe all the marinas care about is liability insurance, I should think you would find an underwriter for that. They may be more concerned with your credentials than the boats.
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Old 13-01-2020, 13:26   #9
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Re: Home designed, home built insurance

Thank you all for the Helpful replies!
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Old 13-01-2020, 13:43   #10
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Re: Home designed, home built insurance

Does the boat have a design? IF so call it a "name of designer" 41. Title it as such. You dont have to say and no one will ask how it was built. Been there, done that. A couple times actually.
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Old 13-01-2020, 14:46   #11
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Re: Home designed, home built insurance

Mine is through Intact, a common Canadian carrier. Boat designed in 1930, modified by me , hull moulded professionally, everything else done by me and a retired professional boatbuilder. Surveyor was quite complimentary, never had a problem
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Old 13-01-2020, 16:05   #12
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Re: Home designed, home built insurance

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Does the boat have a design? IF so call it a "name of designer" 41. Title it as such. You dont have to say and no one will ask how it was built. Been there, done that. A couple times actually.
Good idea, I like your style !
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Old 13-01-2020, 16:06   #13
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Re: Home designed, home built insurance

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Originally Posted by peter loveridge View Post
Mine is through Intact, a common Canadian carrier. Boat designed in 1930, modified by me , hull moulded professionally, everything else done by me and a retired professional boatbuilder. Surveyor was quite complimentary, never had a problem
Thank you.
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Old 13-01-2020, 18:45   #14
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Re: Home designed, home built insurance

I designed and built my boat and have liability insurance through Progressive, it was easy to get and quite reasonable.
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Old 13-01-2020, 18:55   #15
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Re: Home designed, home built insurance

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I designed and built my boat and have liability insurance through Progressive, it was easy to get and quite reasonable.
Thanks for the reply. Did you divulge that information when they inquired about your boat ?
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