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 0 \_O \============\==============/ ^^^^^^^^^^^^^^^^^^ \^^^^^^^^^^^^^^^^^ 0 *************************************************************************** PaddleWise Paddling Mailing List Submissions: paddlewise_at_lists.intelenet.net Subscriptions: paddlewise-request_at_lists.intelenet.net ***************************************************************************
The underlying problem is that insurers usually lump canoes and kayaks in with powerboats. Thus you usually will find riders costing about $50 per canoe. What is even more scary is that the deductibles can also get very high. Companies vary. I just switched my homeowners to another insurer because they tried to raise my deductible to about $500 per boat (cumulative!!!), when previously it had been $0. Arguing that I had never made any claims, and that the canoes and kayaks were always stored inside a locked building did not do any good. They just kept repeating that they had been having problems with too many MOTORS and JETSKIS being stolen. _at_#$%_at_#!!!!! Richard Culpeper www.geocities.com/~culpeper Hal Levine wrote: > 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 > > 0 > \_O > \============\==============/ > ^^^^^^^^^^^^^^^^^^ \^^^^^^^^^^^^^^^^^ > 0 > ********************* > ***************************************************** > PaddleWise Paddling Mailing List > Submissions: paddlewise_at_lists.intelenet.net > Subscriptions: paddlewise-request_at_lists.intelenet.net > ******************************************************* > ******************* *************************************************************************** PaddleWise Paddling Mailing List Submissions: paddlewise_at_lists.intelenet.net Subscriptions: paddlewise-request_at_lists.intelenet.net ***************************************************************************
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