Re: [Paddlewise] Insurance

Geo. Bergeron wrote:
> 
>         Boats are typically an exclusion on most home-owner policies. And I
> wouldn't expect my auto policy to cover a boat on a trailer. But what about
> the kayak on the roof? 


I just checked out my insurance coverage for my kayaks. What I found was
very interesting.  It seems that boats carried on the roof are NOT
covered by auto insurance.  They are covered by homeowners or renters
insurance.  My company covers only up to $1000 total.  Since we often
carry two kevlar boats and the associated gear my potential for loss was
much greater.  I was able to get a boat owners policy that gave me full
coverage on boats and equipment for less than $75.  So now loss to
natural disasters, driving fast, theft etc. etc seems to be fully
covered.
I am not an insurance agent but the relief of spending a few $ gives me
comfort.
-- 

    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
Website:         http://www.gasp-seakayak.net/paddlewise/
***************************************************************************