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Many people choose houseboat ownership to enjoy the freedom and beauty of America’s lakes and rivers. Whether your clients are longtime enthusiasts or first-time buyers, houseboats offer a relaxing, adventurous lifestyle—and a valuable asset that deserves comprehensive protection. With vessels typically ranging from 35 to 90 feet and featuring many of the comforts of home, securing the right insurance coverage is essential. That’s where you come in. Maritime Program Group (MPG) offers a specialized House Boat Insurance program designed to help agents like you place coverage for clients nationwide. As a trusted Managing General Agency (MGA) with deep marine expertise, MPG provides access to top carriers and offers flexible solutions tailored to the unique risks of houseboat ownership. Ideal Accounts and Appetite This program is designed for individual houseboat owners seeking broad and reliable insurance protection. Whether your client owns a modest 35-foot cruiser or a luxurious 90-foot houseboat with high-end finishes, MPG can help you find suitable coverage. The program is ideal for: Privately owned houseboats used for personal or family recreation New and used vessels across major U.S. lakes and inland waterways Owners seeking comprehensive protection for both the vessel and liability exposures Note: Commercially operated or permanently moored residential vessels may not be eligible—contact MPG for case-specific underwriting guidance. Coverage Highlights and Advantages The House Boat Insurance program through MPG includes robust coverage options to meet a range of client needs: “All Risk” Hull Coverage – Protects against direct physical loss or damage to the vessel Protection & Indemnity (P&I) – Covers liability for bodily injury and property damage Fuel Spill Liability – Helps address environmental cleanup and legal costs Personal Effects Coverage – Insures belongings onboard the vessel Medical Payments – Pays for onboard injuries to guests or crew Uninsured Boater Coverage – Provides protection when involved in an accident with an uninsured operator Towing & Emergency Services – Offers peace of mind during breakdowns or emergencies on the water Why Work With Maritime Program Group? MPG stands out in the marine insurance space for its hands-on approach and deep underwriting expertise. When you work with MPG, you benefit from: • Direct access to experienced in-house underwriters • In-house policy issuance and endorsements • Broad appetite—from small boats to luxury vessels • Fast, responsive service and proactive communication • Online tools for quoting, applications, and document management • Agency billing and competitive commission schedules • Dedicated in-house claims handling team Underwriting Notes and Minimum Premiums Minimum premiums vary based on vessel size, location, and selected coverage limits. MPG’s underwriting team is available to discuss account-specific criteria and help you determine eligibility and pricing. Submissions with complete vessel specs and usage details help expedite the quote process. Territories and Availability MPG’s House Boat Insurance program is available in all 50 states plus Washington, D.C. Whether your client operates in the Great Lakes region, along the Mississippi River, or on the West Coast, you can access this program to meet their needs. Admitted and non-admitted solutions are available depending on the state and risk profile. Get Started Today Don’t miss the opportunity to round out your clients’ personal lines portfolios with specialized houseboat coverage. Contact Maritime Program Group at 800-366-8086 or visit www.maritimepg.com to learn more or start your submission. Frequently Asked Questions What types of accounts are a good fit for this House Boat Insurance program?This program is ideal for private individuals who own houseboats used for recreational purposes. Vessels typically range from 35 to 90 feet in length and may include high-end personal amenities. Are commercially operated houseboats eligible for coverage?This program is focused on personal-use houseboats. Commercial or permanently moored residential vessels may not qualify, but you can contact MPG for guidance on unique risks. What coverages are included in the standard policy?Core coverages include “All Risk” hull protection, Protection & Indemnity (P&I), fuel spill liability, personal effects, medical payments, uninsured boater coverage, and towing assistance. Is this program available in all states?Yes, the House Boat Insurance program is available in all 50 states and Washington, D.C. How can I get a quote or submit an application?You can obtain instant online quotes and submit applications through MPG’s portal or by contacting their underwriting team directly. Need help placing an account? Connect with a market specialist.