All houseboats have liability and fully comprehensive insurance through Hamburger Yachtversicherung Schomacker. The deposit of €500 to be paid by you is the excess in the event of hull damage, i.e. the deposit is retained depending on the amount of damage and the remaining costs are covered by the insurance. (No gross negligence is a prerequisite.) It is also possible to insure the deposit via deposit reinsurance. Information on this and other insurance policies can be found here: Schomaker Insurances