The extra 25% covers the items that are enjoyed in a homeowners policy. Including:

All-risk personal property coverage on board and elsewhere including “in storage” ashore. Personal liability coverage for “off premises” exposures plus related medical payments coverage. Loss of use protection covering additional living expenses if the boat becomes uninhabitable due to a covered loss. Available full coverage on jewelry, fine art, collections, silverware etc.

The above items are usually not covered in a regular Marine policy.

We lived aboard for 7 years and did not have liveaboard insurance.

Not having the above coverages, especially liability sometimes bothered me though.

We never said anything about living aboard and our agent didn't ask.
OLD HOUSEBOATER38426.8417476852