Insuring boat under construction?

[Al Watts]

I will trailer a partially complete Wittholz 15 from Minnesota to Florida for completion, and my auto insurance company (State Farm) says they will not insure it without its completion and "inspection by a marine insurance specialist." 'Any suggestions, and has anyone else insured a partially complete boat being trailered?

[Bobcat]

Are you looking for liability coverage --- the boat comes off the trailer and injures someone or damages property--- or insurance for damage to the boat as it is being transported?

[Al Watts]

Until it's finished, mainly while being transported; I'd hate to be rear-ended and lose everything. Thanks for responding.

[Bobcat]

You may have a difficult time with that unless you can get a policy with an agreed value. Talk to an insurance agent

[offbelayknife]

You should be able to find someone who can provide inland marine/scheduled personal property insurance. You might be able to get State Farm to provide you a rate that way. You're not insuring it as a functional watercraft, you're insuring it as an elaborate amalgamation of stuff. If you have materials cost that would help.

[Hugh MacD]

You might check with your auto insurer and see if you can cover it with a term specified rider.

[Al Watts]

‘Helpful, thanks. Since I have comprehensive, it’s actually not that much different than hauling a trailer with $15K worth of “furniture.”

[jpatrick]

Your homeowners or renters policy may cover it as personal property. Don't call it an incomplete boat.

Jeff

[wizbang 13]

don't even call it wood.
use a pump of west and call it composite