Liveaboard Insurance, Boston MA

[hreifeiss]

Hi,

I recently bought a Catalina 34 with the plan to convert it into a liveaboard in Boston MA.

My question, is what do most liveaboard do for insurance coverage? The marina I'm staying at requires being a secondary insured with a 500 thousand - 1 million liability coverage.

It seems most insurance companies I've been looking at won't cover a liveaboard situation.

Any advice appreciated! Especially if you're in MA.

[sailorboy1]

all you can do is keep trying different companies, even a company that covers another may not cover you

[CaptnBry]

Originally Posted by hreifeiss

Hi,

I recently bought a Catalina 34 with the plan to convert it into a liveaboard in Boston MA.

My question, is what do most liveaboard do for insurance coverage? The marina I'm staying at requires being a secondary insured with a 500 thousand - 1 million liability coverage.

It seems most insurance companies I've been looking at won't cover a liveaboard situation.

Any advice appreciated! Especially if you're in MA.

As you are finding, marinas REQUIRE insurance and Liveaboard insurance is becoming not only difficult to find, but dangerous to even ask insurance companies about. Once you inquire with any insurance company, they will add that fact to your data, after politely saying "NO". That means you will most likely never get boat insurance from that company, livaboard or not, because they will assume you to be living on it. Whether they share such data with other insurance companies or not, is unknown to me, but you could get 'black listed'. If you get regular insurance and liveaboard anyway, you can assume that in the case of a claim, it will be denied because the vessel remains will be inspected and a liveaboard boat has plenty of clues for them to deny a claim with. In summary, try to find an economic roommate situation near the harbor to live in, while spending as much time on your boat as the marina will allow access to your vessel.

[Island Time O25]

There are at least between 50 and 100 year round liveaborads in Boston Harbor, probably more. So if you just walk around the marinas which allow them you could ask directly. Three or four come to mind - Constitution, Charlestown, Admiral, and Boston Harbor Shipyard & Marina. Thee may be one in Lynn and another one in Winthrop but not sure.

[newhaul]

Originally Posted by hreifeiss

Hi,

I recently bought a Catalina 34 with the plan to convert it into a liveaboard in Boston MA.

My question, is what do most liveaboard do for insurance coverage? The marina I'm staying at requires being a secondary insured with a 500 thousand - 1 million liability coverage.

It seems most insurance companies I've been looking at won't cover a liveaboard situation.

Any advice appreciated! Especially if you're in MA.

Your not a liveaboard your a full time cruiser with that marina as your home base.

[foggysail]

The OP's post originated back in April, his 1st post. I have a 40 Silverton power boat, fully enclosed with hard tops and solar. No way would I ever consider living on it especially here in Massachusetts

[BuoyCall]

If you are still looking for insurance let me know...it's what i do. Agents have access to certain carriers who may or may not be able offer coverage. This turns into a big waste of time for the client, agent, and underwritters. I have access to carriers who will write liveaboards. If you or anyone needs help id be glad to assist. If anyone is stuck with an agent who doesnt communicate in a timely manner i can prob help there too.

Frank@spacecoastinsurance.com

Hope yall had a great thanksgiving!!