On the Colorado River in Mohave County, with a boating season that never really stops, a winter population that arrives every year, and summer heat that is an engineering problem rather than a complaint.
Boats, personal watercraft and trailers are ordinary here and are commonly uninsured or underinsured on a homeowners policy that was never meant to carry them.
Three things we check on every Lake Havasu City quote, because each one decides what a claim pays rather than whether you have one.
Watercraft carry severe limits on a homeowners form, often a few thousand dollars and frequently with liability excluded entirely once the boat is in use. A separate watercraft policy covers the hull, the liability and the people aboard, and in a town organized around a lake that is not an optional refinement.
Sustained extreme heat shortens the service life of roofing, sealants, HVAC and anything made of plastic. It is wear rather than a sudden event, and wear is excluded. What matters is whether the sudden failure that follows is settled at replacement cost or depreciated.
A second home standing empty is a different risk and often a different policy. Vacancy provisions can restrict losses past a stated period, and unattended damage runs far longer before anyone notices. Say so when the policy is written, because this is readily accommodated in advance and not at all afterwards.
Across 28,463 households, a household count unusually high for the population because so many properties are second homes.
Well above the other Mohave County towns, reflecting waterfront and view property rather than the regional market.
Nearly three quarters own, though a substantial share of those owners are not here year round.
Written for Arizona, quoted for your address in Lake Havasu City.
Read moreWritten for Arizona, quoted for your address in Lake Havasu City.
Read moreWritten for Arizona, quoted for your address in Lake Havasu City.
Read moreWritten for Arizona, quoted for your address in Lake Havasu City.
Read moreWritten for Arizona, quoted for your address in Lake Havasu City.
Read moreTell us what is on the water and what is on the trailer. Boats and watercraft rarely belong on the homeowners policy.
We cover what is on the water separately, then quote the house.
Request a quoteCall and list what you own that floats. It is usually the gap on a Havasu policy.
