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? If the car slides off the road in winter ice, or lurches into a tree to avoid the apochryphal child chasing the ball into the street, is the yak covered when it gets crunched and splintered in the wreck? If someone decides to take my truck for a joyride where truck and yak end up deep-sixed and abandoned out in the bay. . . is the boat covered by the auto-theft policy? OK. . . last question. Does anyone insure their boat(s) against theft, vandalism, fire, or even loss to tides and disappearing beaches? ------------------------------------------------------- George Bergeron, Secretary OSWEGO HERITAGE COUNCIL P.O. Box 1041, Lake Oswego, Oregon 97034 Web Site: http://www.europa.com/~heritage/welcome.html Email: heritage_at_europa.com *************************************************************************** PaddleWise Paddling Mailing List Submissions: paddlewise_at_lists.intelenet.net Subscriptions: paddlewise-request_at_lists.intelenet.net Website: http://www.gasp-seakayak.net/paddlewise/ ***************************************************************************
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/ ***************************************************************************
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