Re: [Paddlewise] insurance

> I have an annual premium of ~$28/boat for value of boat ($2500), $500
> equipment, $25,000 liability with a $50 deductible. .
>
> It makes me sleep better to know that I have coverage for someone taking
> some or all of it, losing it in a storm or having it all blow off the roof
> of my car at 75mph and landing in the car behind me (so much to worry
> about). I am certainly relieved that I don't have a Ford Explorer to roll
> over on my boats!

        If it blows off your car's roof, your homeowners won't cover it, but
your auto insurance might.  Thats pretty much the rule here in NJ.

        I have a home-renters policy on a local company here.  $15,000
aggregate for everything, including the boats, with a $500 deductible.
That's a replacement policy.  Did have to use it once; someone stole a canoe
from my backyard.  They honored it, less deductible.
        Of greater importance (and it is required by law in NJ; I don't know
about elsewhere) is that I also have liability insurance should something
happen while I am a trip leader or other such volunteer, so long as it is
not a commercial venture.

Joe P.

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