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.

We disagree with the insurer's interpretation. Can you help us?

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