[Paddlewise] Insurance for my/your kayaks

It is the time of year when I renew my home and car insurance and
thought to ask the question "are my kayaks insured?".  What I found out
was distressing but there was a solution.  I have been carrying 2 kevlar
kayaks and found that I was not really covered for damage or theft.  I
started worring about low bridges, rouge waves, shark attacks, falling
trees and low-life kayak thieves.  I was only partially covered by my
homeowners and that policy would not even cover the loss of one of my
boats.

 I am taking the liberty to let you all know what I learned.
1.  Automobile insurance does not typically cover kayaks and
accessories.
2.  My homeowners policy has a $2000.00 limit for boats and accessoried.
This is typical and some policies only have a $1000.00 limit.
3.  I was able to get a separate boat owners policy through my carrier
(Allstate) that would cover both boats for $2500 each plus $500 each for
accessories (graphite paddle, pfd, spray skirt, sponsons?, etc.)  This
policy is relatively inexpensive...~$50/year for both boats.
4.  If you are not a homeowner you can get a renters policy that will
have some coverage for your boat and accessories.
I am not an insurance agent (thank god!) so don't take above information
as gospel.  Call your agent! Protect your toys!!!!!


    Hal 

    Wilton, NH

    Power your boat with carbohydrates,
    not hydrocarbons.
         
          http://www.jlc.net/~hlevin


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