Houseboat insurance
A boat with a flat inside it
A houseboat is insured as a boat, but almost everything that goes wrong on one is domestic: a washing machine hose, a shore power cable, a jetty in a storm. A motorboat policy knows none of that.
In short
What does houseboat insurance cost?
Liability starts at 79 euros, full hull cover at 219 euros a year. Interior fittings, the jetty, fire in winter storage and letting up to 30 days are included. A motorboat policy is not enough, because it does not know that somebody lives aboard.
Figures from the NAMMERT tariff, August 2026, annual premium including insurance tax.
What a motorboat policy misses
Eight points that only exist once the boat is somebody home.
Interior fittings
IncludedFitted kitchen, sanitary installation, flooring and built in furniture.
Shore connections
IncludedPower, water and waste lines between jetty and boat, the classic winter damage.
Jetty and mooring
IncludedDamage to your own jetty and to the pontoon you are made fast to.
Fire in winter storage
IncludedAshore as well, including a fire that starts on the boat next to yours.
Water damage inside
FullA burst hose or a failed pump, the domestic claim no boat policy expects.
Letting to 30 days
SelectableHoliday letting up to thirty days a year can be added, without moving to a commercial tariff.
Storm and ice
PartialIce pressure at the berth, a risk that ends most inland winters badly.
Liability as an owner
IncludedFor guests, for the jetty and for the water, up to 50 million euros.
Six things to settle first
Each one is a line in the policy, not a matter of goodwill.
Living aboard is declared
Permanent residence changes the risk and belongs in the policy. Left unsaid, it is the first thing an adjuster finds.
Interior and contents
Fitted furniture and installations are insured with the boat. Personal effects are covered separately, up to 6,000 euros as standard.
Shore power and water
Cables and hoses between jetty and boat are included, which is where most winter damage starts.
Jetty and berth
Your own jetty and damage to the marina structure you are made fast to are inside the cover.
Fire ashore
Winter storage is included, on the hard as well as afloat, including fire spreading from a neighbouring boat.
Letting up to 30 days
Within that limit you add it in the calculator, with no move to a commercial tariff. Beyond it, we write the boat commercially.
Plainly said
It is not a flat, and not only a boat
Household insurers decline a houseboat because it floats. Boat insurers write it as a motorboat and then find a washing machine in the claim. Both are honest positions, and both leave the owner between two policies at the worst possible moment.
What settles it is a boat policy that names the domestic risks. Ask any provider for the clause on interior fittings and on shore connections. If it is not there in writing, it is not covered.
Our own survey
As at 1 August 2026Seven providers, one houseboat, the same enquiry
The basis is an identical enquiry sent to seven providers for the same boat on 1 August 2026. The quotes received and the policy wordings turned into 19 points of cover in five groups. All seven columns stand in the table in full, including the rows where a competitor comes out ahead of us.
BoatHouseboat La Mare Apart L
Year of build2019
Engine power20 hp
Value of the boat120,000 €
Tender5,000 €
Personal effects25,000 €
HullPE plastic
Cruising areaEuropean inland waters
19 points of cover, seven providers, 133 individual entries. The table scrolls sideways; on a phone every row stands as a card of its own.
NAMMERT against Pantaenius: 6 points to us, 6 level, 3 to Pantaenius, 4 not counted.
NAMMERT against Neubacher Marine: 9 points to us, 6 level, 2 to Neubacher Marine, 2 not counted.
NAMMERT against Deutscher Yacht-Pool: 8 points to us, 5 level, 3 to Deutscher Yacht-Pool, 3 not counted.
NAMMERT against Allianz-ESA: 9 points to us, 6 level, 1 to Allianz-ESA, 3 not counted.
NAMMERT against Eerdmans: 9 points to us, 4 level, 4 to Eerdmans, 2 not counted.
NAMMERT against Schomacker: 10 points to us, 4 level, 3 to Schomacker, 2 not counted.
met partly met not met
| Point of cover | NAMMERT | Pantaenius | Neubacher Marine | Deutscher Yacht-Pool | Allianz-ESA | Eerdmans | Schomacker |
|---|---|---|---|---|---|---|---|
| Getting a quote at all | |||||||
| Online quotation with a priceThe exception with houseboats: almost everybody wants a form first, then documents, then patience. | Yes Eigene Prüfung der eigenen Seite am 01.08.2026 | On 1 August 2026 no online calculator quoting a price was found; enquiry through a separate form by e-mail Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | On 1 August 2026 no online calculator quoting a price was found; enquiry through the contact form Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | On 1 August 2026 no online calculator quoting a price was found; enquiry through the contact form, written as a motorboat through a general agency Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | On 1 August 2026 no online calculator quoting a price was found; enquiry through the contact form Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | An online calculator exists; on 1 August 2026 it produced no quote for this houseboat Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | On 1 August 2026 no online calculator quoting a price was found; enquiry through a separate form by e-mail Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 |
| Time until the quote arrivesAnyone buying a houseboat has a handover date. What is measured is our single enquiry of 01.08.2026, not an average across several cases. | A few minutes Eigene Anfrage, Stand 01.08.2026, Einzelfall | Several working days Eigene Anfrage, Stand 01.08.2026, Einzelfall | One working day Eigene Anfrage, Stand 01.08.2026, Einzelfall | Several working days Eigene Anfrage, Stand 01.08.2026, Einzelfall | Several working days Eigene Anfrage, Stand 01.08.2026, Einzelfall | Several working days Eigene Anfrage, Stand 01.08.2026, Einzelfall | Several working days Eigene Anfrage, Stand 01.08.2026, Einzelfall |
| Documents requiredThis is where the underwriters who really write houseboats part company with those who first want it all proved. | None, photos or a valuation report if needed Eigene Zeichnungspraxis, Stand 01.08.2026 | The exact berth has to be named Pantaenius-Antragsunterlagen; Eigene Anfrage, Stand 01.08.2026 | Sums insured for effects, tender and trailer listed separately on the application; individual effects worth more than 1,000 € must be declared at inception NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 1; Antragsunterlagen 2026, Abschnitt Kaskoversicherungssummen | Written application plus a checklist for equipment and effects worth more than 500 € YACHT-POOL Checkliste für Ausrüstungsgegenstände und Effekten, Ausgabe 201808b | Condition report form; individual effects worth more than 500 € must be declared separately. Without the documents requested, no price was quoted Allianz-Esa Zustandsbeschreibungsbogen; Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 1.2.2; Eigene Anfrage, Stand 01.08.2026 | Extra questionnaire on the technology, the berth and the precautions taken Eigene Anfrage, Stand 01.08.2026 | Yacht insurance application and HYV checklist Schomacker, Antrag Yachtversicherung und HYV Checkliste (Angebotsunterlagen) |
| Self-built boats insurableMany houseboats are self-builds or conversions. That is exactly where most say yes on the phone and then send no quote. | Yes, with a surveyor's valuation report Eigene Zeichnungspraxis, Stand 01.08.2026 | Confirmed in principle by telephone in our enquiry of 01.08.2026; no quote had reached us by the cut-off date Eigene Anfrage, Stand 01.08.2026; Einzelfall, keine Aussage über die generelle ZeichnungspraxisNot verified, does not count towards the tally | Confirmed in principle by telephone in our enquiry of 01.08.2026; no quote had reached us by the cut-off date Eigene Anfrage, Stand 01.08.2026; Einzelfall, keine Aussage über die generelle ZeichnungspraxisNot verified, does not count towards the tally | Confirmed in principle by telephone in our enquiry of 01.08.2026; no quote had reached us by the cut-off date Eigene Anfrage, Stand 01.08.2026; Einzelfall, keine Aussage über die generelle ZeichnungspraxisNot verified, does not count towards the tally | Excluded under the Lake Constance special tariff; the general condition report form does ask about one-off builds, self-builds and self-fit-outs Allianz-Esa Broschüre Sondertarif Bodensee; Allianz-Esa Zustandsbeschreibungsbogen | Not conclusively established; not covered by the documents available to us Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008); Eerdmans, Informationsblatt zu VersicherungsproduktenNot verified, does not count towards the tally | Their own brochure says self-builders are underwritten; no quote reached us by the cut-off date in response to our enquiry of 01.08.2026 Schomacker-Broschüre, Abschnitt Leistungsversprechen; Eigene Anfrage, Stand 01.08.2026Not verified, does not count towards the tally |
| Obligations and limits | |||||||
| Special maintenance obligationsObligations are the quiet exclusion: fail to meet one and the claim is gone. | No separate maintenance or lay-up requirements; damage caused by deficient maintenance is excluded AVB Wassersport-Kasko Premium, Abschnitt A-6 (Ausschlüsse) und B-3 (Obliegenheiten) | No separate maintenance requirements in the yacht hull conditions available to us; a set of houseboat conditions of their own is not available to us Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil ANot verified, does not count towards the tally | No separate maintenance requirements in the conditions available to us NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, §§ 3 und 7 | The manufacturer's maintenance and winter storage instructions are a precondition of the machinery damage cover YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 4.7 | No separate maintenance requirements in the conditions available to us Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 4 | No separate maintenance obligations; damage caused by a lack of care is excluded Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 10 I | The manufacturer's maintenance and winter storage instructions are a precondition of the machinery damage cover Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 4.11 |
| Limit on the cruising areaA houseboat does not travel far, but a radius around the berth ends every longer trip. | No restriction Eigene Zeichnungspraxis, Stand 01.08.2026 | Cruising range as stated in the policy, no radius around the berth Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 2 Nr. 1 | Cruising range as stated in the policy, no radius around the berth NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 2 Nr. 1 | Cruising range as stated in the policy, no radius around the berth YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffern 2.1 und 2.3 | Cruising range as stated in the policy, no radius around the berth Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 2.1 | Fixed cruising area set out in the conditions: Europe with all rivers and inland waters, 15 nm off the coast, and the sea area between 15° West, 30° East, 45° and 66° North; no radius around the berth Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 2 Geltungsbereich | Cruising range as stated in the policy, no radius around the berth Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 3 |
| Waiver of the gross negligence defenceThe line that puts all the others into perspective. Gross negligence does not mean the loss is excluded: under section 81 of the German Insurance Contract Act the insurer may cut the payment in proportion to the degree of fault, in practice anywhere from 25 % through 50 % to a complete refusal. On a houseboat that catches exactly the typical cases: forgotten antifreeze, an open seacock, a hatch left open as the weather comes in. If the hull then fills with water, the ingress is a covered peril, but only the share the insurer considers appropriate is paid. A policy that lists many perils yet does not waive this defence can pay less for the same loss than one with a shorter list of perils and a waiver. | We waive any reduction up to a loss amount of 50 % of the sum insured (Premium; Basis Plus 25 %, Basis no waiver), except where theft, drugs or alcohol caused the loss AVB Wassersport-Kasko Premium A-7, Basis Plus A-7 | Waiver up to a total loss amount of 10,000 €; above that, reduction according to the degree of fault Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 6 | No waiver; the indemnity may be reduced in proportion to the severity of the fault (section 81 of the German Insurance Contract Act) NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 7 Nr. 5 | No waiver; the indemnity may be reduced in proportion to the severity of the fault (section 81 of the German Insurance Contract Act) YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 4.18 | After 5 claim-free years, no reduction up to EUR 10,000 indemnity (Platinum edition only) Allianz Esa EuroShip, Gegenüberstellung Vollkasko: Zeile in der Spalte Edition Platinum als vereinbart, in der Spalte Edition Premium als nicht vereinbart; AVB Edition Premium 0122, Ziffer 7.2 enthält keinen Verzicht | No waiver; hull losses caused by gross negligence are excluded Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 10 C | After 8 claim-free years, up to 20 % of the sum insured, max. 10,000 € Schomacker Yacht-Kasko-Sonderbedingungen (YKS 2011), Ausgabe 5/11, Ziffer 3 |
| Living aboard | |||||||
| Personal effects included at no extra premiumHalf a household stands on a houseboat. What is meant is personal equipment that is not part of the nautical and technical fit-out. | Up to 3 % of the sum insured, at least 1,000 €, included at no extra premium: Basis+ up to 3,000 €, Premium up to 6,000 € AVB Wassersport-Kasko Basis Plus A-9.6, Premium A-9.4 | Up to 5,000 € per claim, included at no extra premium and without a deductible Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 1 und § 7 | An additional 2 % of the agreed value, max. 3,000 €; individual items worth more than 1,000 € must be declared at inception NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 1 und § 10 Nr. 2 | Not automatically included; effects have to be named in the application and written into the policy YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 1.2 | Up to 3,000 € automatically; above that, and for individual items worth more than 500 €, only once separately declared Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffern 1.1 und 1.2.2 | 30 % of the sum insured, max. 35,000 € Eerdmans, Informationsblatt zu Versicherungsprodukten, Abschnitt Persönliche Effekten | 2 % of the sum insured, max. 2,000 € Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 2.2 |
| Hotel costs while the houseboat is uninhabitableUnlike a yacht, a houseboat is often the home; after water ingress the family needs a bed. Providers cut the case differently: some tie the benefit to a voyage or a trip, not to the berth. The amounts therefore cannot be placed side by side one for one. | 100 € per person, max. 3 days Eigene AVB Wassersport-Kasko, Stand 01.08.2026 | 150 € per person per night, for a maximum of seven days, max. 5,000 € in total, only during a voyage and only where the boat is not chartered out Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 4 Nr. 5 | Not mentioned in the yacht hull conditions available to us NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119; eigene Sichtung Stand 01.08.2026, keine Regelung zu Übernachtungskosten gefunden | 100 € per person and night, max. 3 nights, max. 1,500 € per event, only while on a trip YACHT-POOL Assistance, Spezialbedingungen A18 (Fassung April 2018), Ziffer 3.2.7 | EUR 250 per person, capped at EUR 2,000 for the whole crew (Premium and Platinum editions) Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 3.3; gleichlautend AVB Edition Platinum, Ziffer 3.3 | 250 € per day for all insured persons together, max. 2,500 € per claim, for renting holiday accommodation during a holiday Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 3 F Nr. 1 | 260 € per crew member, max. 1,300 € per claim, where returning the boat to its home port is not reasonable Schomacker Yacht-Kasko-Sonderbedingungen (YKS 2011), Ausgabe 5/11, Ziffer 6 |
| Shore connections includedWater supply and disposal, power, waste water: on a houseboat these are part of living there. | No Eigene AVB Wassersport-Kasko, Stand 01.08.2026; Landanschlüsse sind dort nicht als versicherte Sache genannt | Not expressly covered by the conditions available to us Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil ANot verified, does not count towards the tally | Not expressly covered by the conditions available to us NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119Not verified, does not count towards the tally | Not expressly covered by the conditions available to us YACHT-POOL Spezialbedingungen A18 (Fassung April 2018)Not verified, does not count towards the tally | Not expressly covered by the conditions available to us Allianz-Esa AVB Kaskoversicherung Edition Premium 0122Not verified, does not count towards the tally | Not expressly covered by the conditions available to us Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008)Not verified, does not count towards the tally | Not expressly covered by the conditions available to us Schomacker Yacht-Kasko-Bedingungen (YKB)Not verified, does not count towards the tally |
| Damage by rats and miceA real issue at the berth, and one the policy wordings rarely deal with. | Not insured under our conditions Eigene AVB Wassersport-Kasko, Stand 01.08.2026 | Excluded under the conditions available to us Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 5 Nr. 2 | Not excluded; the all-risks cover applies and rodents are not named among the exclusions NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 3 Nr. 1 und § 7 | Not excluded; the all-risks cover applies and rodents are not named among the exclusions YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffern 3.1 und 4 | Excluded under the conditions available to us Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 4.4.1 | Not excluded; the all-risks cover applies and rodents are not named among the exclusions Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 3 A und § 10 H | Excluded under the conditions available to us Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 4.2 |
| Direct weather damageFrost, ice pressure, weeks of rain: the standing problem for a houseboat that stays afloat all year. | Not insured under our conditions AVB Wassersport-Kasko Premium A-6 Buchstabe i | Ordinary, non-sudden weather effects are excluded; the exclusion does not apply to sinking, fire, short circuit or dismasting Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 5 Nr. 2 | Not excluded; the all-risks cover applies and weather damage is not named among the exclusions NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 3 Nr. 1 und § 7 | Normal weather effects on the part directly affected are excluded; water ingress caused by rain or frost is covered YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 4.1 | Excluded under the conditions available to us Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 4.4.1 | Excluded under the conditions available to us Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 10 H | Rain, snow, ice and frost are excluded unless they follow from an insured event; ice and frost can be written back by agreement Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 4.2 |
| Letting out | |||||||
| Short-term paid use expressly regulatedAnyone who lends the houseboat out now and then needs that in writing. | Yes, through an extra clause in the private tariff Eigene Zusatzklausel, Stand 01.08.2026 | Only by prior special agreement; excluded from the standard cover Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Allgemeiner Teil § 4 Nr. 1 | Only by prior special agreement; excluded from the standard cover NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 7 Nr. 1 | Only by prior special agreement; excluded from the standard cover YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 4.17 | Excluded in the hull conditions available to us; we have no information on a re-inclusion or charter agreement Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 4.5 | Excluded under the hull cover; only the liability arising from chartering can be included Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 5 A und § 10 K | Only by prior special agreement; excluded from the standard cover Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 4.12 |
| Loss of charter income coveredWhile the chartered houseboat sits in the yard, the income stops. | No AVB Wassersport-Kasko Basis Plus A-6 (mittelbare Schäden) | Not conclusively established; not covered by the conditions available to us Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818Not verified, does not count towards the tally | Not mentioned in the yacht hull conditions available to us NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119; eigene Sichtung Stand 01.08.2026, keine Regelung zu Mietausfall gefunden | No answer received by the editorial cut-off Eigene Anfrage, Stand 01.08.2026Not verified, does not count towards the tally | Not conclusively established; not covered by the conditions available to us Allianz-Esa AVB Kaskoversicherung Edition Premium 0122Not verified, does not count towards the tally | Indirect losses such as financial disadvantage from not being able to use the boat are excluded Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 10 D | Charter loss-of-income cover can be selected on the application Schomacker, Antrag Yachtversicherung, Abschnitt 3 |
| Chartering possibleWith houseboats, commercial use is the rule and not the exception. | Yes Eigene Zeichnungspraxis, gewerblicher Tarif, Stand 01.08.2026 | Yes, by prior special agreement Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Allgemeiner Teil § 4 Nr. 1 | Yes, by prior special agreement NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 3 Nr. 4 und § 7 Nr. 1 | Yes, where expressly agreed in the policy YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffern 3.2 und 4.17 | Excluded by the hull conditions available to us; we have no information on a separate charter tariff Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 4.5Not verified, does not count towards the tally | Excluded under the hull cover; only the liability arising from chartering can be included Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 5 A und § 10 K | Yes, by prior special agreement Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 4.12 |
| Hull cover | |||||||
| Salvage and wreck removal costsA sunken houseboat has to be raised and disposed of, and the authorities will order it. | 2.5 million € AVB Wassersport-Kasko Premium A-5.2 | Wreck removal and disposal costs are not set off against the sum insured Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 4 Nr. 2 | 2 million € NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 3 Nr. 3 | Raising and disposing of the wreck without any cap at the sum insured YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 3.7 | 2 million € Allianz Esa EuroShip, Gegenüberstellung Vollkasko | No monetary cap stated in the conditions Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 4 C | 1 million € Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 3.3 |
| Agreed valueIn a total loss the agreed sum applies, not the written down value. | Yes AVB Wassersport-Kasko Premium A-8 | Yes Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 8 | Yes NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 9 | Yes YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Punkt 8 (Versicherungswert = Feste Taxe) | Yes Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffer 5.1 | Automatic for new boats; otherwise only where agreed in the policy, and then for 36 months Eerdmans, Allgemeine Bedingungen Yachtversicherung Nr. 310.154-D (Januar 2008), § 13 A; Eerdmans, Informationsblatt zu Versicherungsprodukten | Yes Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 7.1 |
| Tender without a power limitOn a houseboat the dinghy is the everyday vehicle. | No limit AVB Wassersport-Kasko Premium A-1.2 | Covered without a separate benefit cap; a deductible of 300 € applies to damage to the tender Pantaenius-Yacht-Bedingungen (PYB), Ausgabe 0818, Teil A § 1 und § 7 | Only up to the sum declared on the application and shown in the policy NEUBACHER-Yachtkaskobedingungen, Fassung SBK000119, § 1 und § 10 Nr. 1 (Entschädigung bis zur Höhe der in der Police vereinbarten Versicherungssummen); Antragsunterlagen 2026, Block Kaskoversicherungssummen, Position 3 | Only up to the sum declared on the application and shown in the policy YACHT-POOL Spezialbedingungen A18 (Fassung April 2018), Ziffer 1.2 | No separate benefit cap, provided the tender has been agreed as covered; deductible 500 € Allianz-Esa AVB Kaskoversicherung Edition Premium 0122, Ziffern 1.2.1 und 6.3 | Tender covered at no extra premium up to a value of 5,000 €, provided it is named in the policy Eerdmans, Informationsblatt zu Versicherungsprodukten, Abschnitt Beiboot und Trailer | Only up to the sum declared on the application and shown in the policy Schomacker Yacht-Kasko-Bedingungen (YKB), Ziffer 2.1: versichert, sofern beantragt und in der Police mit einer Versicherungssumme genannt |
| Online claims notificationAfter a loss, what counts is how fast the notification goes out. | Yes Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | No online claim form could be found on 01.08.2026 Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | Yes Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | Yes Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | No online claim form could be found on 01.08.2026 Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | Yes Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 | No online claim form could be found on 01.08.2026 Eigene Prüfung der öffentlich zugänglichen Anbieterseite am 01.08.2026 |
The table can be pushed sideways. Where no separate source is named, every entry rests on our own survey, as at 1 August 2026.
Openly said
With a houseboat the premium does not decide it alone
In this survey our premium is the highest: 1,651.13 € for private use, 2,806.91 € for commercial use, in each case with a 1,000 € deductible and as a net annual premium after the no-claims discount. The full list for private and commercial use can be opened below; the deductibles of the other quotes range from 625 to 2,000 €. Anyone comparing the annual premium alone will find cheaper quotes than ours.
What that difference buys is in the table above: the waiver of the gross negligence defence up to a loss amount of 50 % of the sum insured in Premium instead of up to 10,000 €, short-term paid use through an extra clause within the private tariff, and a quote in minutes instead of after a condition report, an application form and a checklist.
And where others do more: Eerdmans insures personal effects at 30 % of the sum insured up to 35,000 €, considerably more than we do, but only in combination with a liability policy and without commercial use. Pantaenius covers personal effects at no extra premium up to 5,000 € per claim and without a deductible, i.e. above our Basis Plus, bears salvage and disposal costs without setting them off against the sum insured, and pays higher overnight costs. Deutscher Yacht-Pool likewise raises and disposes of the wreck without any cap at the sum insured. Schomacker pays overnight costs at a level we do not offer. Neubacher covers rat and mouse damage as well as direct weather damage, both excluded with us. Loss of rental income cannot be included with us. Three out of seven gave no quote at all for commercial use.
The annual premiums quoted by the seven providersPrivate and commercial use, with the deductible, click to open
Private use
Eerdmans625 € deductible · hull and liability as one package · survey of 1 August 2026635.84 €No stand-alone hull cover available, only together with a liability policy; the amount therefore also contains a liability cover and is not directly comparable with the other hull premiums.
Schomacker1,000 € deductible · hull premium · survey of 1 August 2026774.10 €
Deutscher Yacht-Pool1,500 € deductible · hull premium · survey of 1 August 2026925.00 €
Pantaenius1,500 € deductible · hull premium · survey of 1 August 20261,205.16 €
Neubacher Marine1,000 € deductible · hull premium · survey of 1 August 20261,543.13 €
NAMMERT1,000 € deductible · hull premium · survey of 1 August 20261,651.13 €All amounts are annual premiums on the same enquiry for the same specimen boat (La Mare Apart L, built 2019, 120,000 € boat value, 5,000 € tender, 25,000 € personal effects, European inland waters), collected on 1 August 2026. What was collected is the hull premium in each case; with Eerdmans a liability cover is included in the package. The deductibles range from 625 to 1,500 €, and the tariff level is not recorded in the survey. The enquiry asked for 25,000 € of personal effects; where a provider does not include that sum at no extra premium, the limit stated in the table applies. Our own premium is a net annual premium after the no-claims discount; whether another provider quote is stated before or after insurance tax and before or after its own no-claims discount is not known to us in every case. The amounts are therefore not directly comparable.
Commercial use
Schomacker2,000 € deductible · hull premium · survey of 1 August 20261,433.83 €
Pantaenius1,500 € deductible · hull premium · survey of 1 August 20261,639.02 €
Neubacher Marine1,000 € deductible · hull premium · survey of 1 August 20261,788.57 €
NAMMERT1,000 € deductible · hull premium · survey of 1 August 20262,806.91 €The same enquiry applies here as well, but the deductibles range from 1,000 to 2,000 € and the tariff level is not recorded in the survey. Our own premium is a net annual premium after the no-claims discount; whether the other amounts are stated before or after insurance tax and before or after the respective no-claims discount is not known to us in every case. The amounts are not directly comparable.
No quote at all
Allianz-ESA, No quote either for private or for commercial use: without the documents demanded there was no price information (our own enquiry of 1 August 2026)
Deutscher Yacht-Pool, A quote for private use, none for commercial use even after asking again (our own enquiry of 1 August 2026)
Eerdmans, A quote for private use; commercial use is excluded in the hull conditions available to us (Eerdmans 310.154-D, § 10 K)
Our own survey of 1 August 2026: an identical enquiry to seven providers for the same boat (Houseboat La Mare Apart L, built 2019, 120,000 € boat value); what was evaluated were the quotes received and publicly available sources. Cover and premiums may have changed since; what governs is the wording of the provider concerned. The names given are trademarks of the respective companies.
Before you buy
What we need for a quote
Year of build, value including interior, berth, whether anybody lives aboard permanently and whether the boat is ever let.
Before you sign
The three questions you actually have
Not “what does it cost”; you can work that out yourself in a minute. These are the three nobody asks an insurer out loud. Here they are, with the answers we can back up.
“Will they actually pay?”
We are an Assekuradeur; a managing general agent that underwrites and settles claims under its own authority. Our own claims department, appointed surveyors, more than 2,000 partner yards. Cover checked within 24 hours, release or a survey appointment within 48. We settle directly with the yard; you pay the deductible and nothing else.
What happens in the first 48 hours →“Who picks up the phone?”
A family firm since 1989, now in its second generation, with three of its own offices: Königs Wusterhausen near Berlin, Salzburg and Palma de Mallorca. No call centre, no franchise. You get a named contact from the first hour; and after office hours, a number somebody answers.
Out of hours: +49 3375 29 28 95 →“And if I choose wrong?”
Find the same cover cheaper elsewhere and we make up the difference. Our comparison sets seven providers against the same criteria; including the segments where somebody else comes out ahead of us, and the one where we are the most expensive in the field.
Price guarantee →When we are not the right fit →