Liveaboard coverage is a type of boat insurance that provides protection for individuals who use their boat as their primary residence. This coverage is important for those who live on their boats full-time, as it provides additional protection beyond the typical coverage included in standard boat insurance policies.
Liveaboard coverage typically includes protection for personal property and liability and coverage for damages caused by weather events or other unforeseen circumstances. Additionally, liveaboard coverage may include coverage for medical expenses and emergency services.
It is important to tell your insurance agent if you plan on living on your boat full-time, as this may affect the type of coverage you need and the cost of your policy. Failure to disclose this information could result in your insurance company denying your claim in the event of a loss, as living aboard your boat may be considered a material change in risk that was not disclosed at the time the policy was issued.
One example of an insurance agency that offers liveaboard coverage for boats is McCorkle Insurance, located in Webster Texas, and the Gulf Coast. Jason McCorkle marine speciality of McCorkle Insurance and has over 25 years of experience in the insurance industry. He and his team of agents can help boat owners find the right coverage to meet their specific needs, including liveaboard coverage for those who use their boats as their primary residence.