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Ice fishing hut a trailer? Bear damage covered by insurance?

Would you expect your ice-fishing hut to be considered a trailer? See what our coverage experts think.

By FC&S Editors | Updated on January 18, 2017

Question: We have several clients in our agency who ice-fish during the winter, and have fishing huts that they store on their property the rest of the year. Often the huts have wheels on them so they can be towed out onto a lake.

Now, one of our insurers is stating that these huts, because they have wheels and can be towed by a vehicle, are in fact trailers. This means that coverage is limited under the standard homeowners policy to $1,000 or $1,500. Further, there is no theft coverage for trailers away from the residence premises. Some of these huts can cost well over $10,000.

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