I seem to recall a while back someone talking about kayak insurance. My renter's policy only insures up to $1000. Any ideas as to where I might turn? Courtney *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
Courtney wrote: > > I seem to recall a while back someone talking about kayak insurance. My > renter's policy only insures up to $1000. Any ideas as to where I might > turn? Many companies will attach a rider to your homeowners insurance, with scheduling of the added goodies you want to insure. I insured my kayaks and associated gear for $1.15/$100/year, which got me replacement coverage (e.g., new stuff for the old that got trashed or stolen) with $250 deductable each occurrence. YMMV. Only bummer is that the coverage is restricted to the US, going only 100 miles into Canada above the WA/BC border. Did this through the local agent, who represents the insurance company. Suggest you contact the agent who reps your homeowners insurance provider. -- Dave Kruger Astoria, OR *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
I don't have homeowners insurance - I rent. Amica (renters insurance) says they won't go above $1000 for a kayak. This doesn't make sense to me. Courtney On Thu, 04 Jan 2001 11:00:56 -0800, Dave Kruger wrote: <snip> Suggest you contact the agent who reps your homeowners insurance provider. *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
At 11:09 AM 1/4/01 -0800, Courtney wrote: >I don't have homeowners insurance - I rent. Amica (renters insurance) says >they won't go above $1000 for a kayak. This doesn't make sense to me. > I haven't used them -- but you might want to try Boat US. They have good stand alone policies, I'm told. -- Wes *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
On Thu, 4 Jan 2001, Courtney wrote: > I seem to recall a while back someone talking about kayak insurance. My > renter's policy only insures up to $1000. Any ideas as to where I might > turn? I've got a rider on my home insurance that covers 2 sea kayaks. I _think_ it's the same coverage that gets used to cover a trailered motorboat. A while back I got a cold call from an insurance agent who wanted to give us a quote to change companies. He eventually got a quote to us but it took him about 6 weeks, plus 4 or 5 calls back to us, to figure out how to get the sea kayaks covered. He said he had learned a lot in the process of getting the quote. I saw your followup about only having renters insurance. Ask your agent if it would be possible to cover a motorboat under the renters insurance... kirk *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
I am NOT an insurance agent but recommend calling your insurance agent for the concerns you have A kevlar boat ~$2500. Accessories: pfd ~$80, graphite paddle ~$250, skirt ~$60, compass, whistle, paddle float, pump, sponge, etc. ~$150, decent roof rack ~$200 (not to mention wet-suit, dry-suit, booties, dry bags, spare paddle, etc.., etc..) Multiply that all by 2 and there is some real $ at risk for my wife and me. (the prices are estimates!!!!) 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! I have not made a claim and have no experience in what it will take to get reimbursed if I made a claim and hope I don't have to. BTW my insurance is with Allstate Hal "Power your boat with carbohydrates not hydrocarbons" Wilton, NH http://www.jlc.net/~hlevin *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
> 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. *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
I have used, for 15 years and four claims, Mutual of Enumclaw. It is about $15 per boat. Make sure you understand weather you are paying for market value or replacement cost coverage, and what, if any, boat contents it covers. Some companies require all your insurance coverage (car & homeowner's) before it will issue this kind of policy. To obtain the coverage, it is usually better to contact in independent agent, not a company (ie, captive) agent. JKL *************************************************************************** PaddleWise Paddling Mailing List - Any opinions or suggestions expressed here are solely those of the writer(s). You must assume the entire responsibility for reliance upon them. All postings copyright the author. Submissions: PaddleWise_at_PaddleWise.net Subscriptions: PaddleWise-request_at_PaddleWise.net Website: http://www.paddlewise.net/ ***************************************************************************
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