Re: [Paddlewise] Boat insurance is expensive in the fine state of Texas, USA ...

> As I have read over and over, people like Chuck can insure a kayak
> for $20, but when we inquired in Texas it had to be insured the same
> as a '18 foot boat, a motor boat, they didn't know how to insure
> it as anything else.  It ended up costing us about $130 a boat,
> which just wasn't worth it.  

   When I had my boat stolen some time back I was upset to lose my favorite 
boat, but figured my homeowners insurance would cover it. So I checked with 
my friendly insurance agent only to learn that "recreational" watercraft was 
not covered! Not only that, but even if it was, apparently "tools" you use 
for work are not covered either, and since I work on and off on the weekends 
as a kayak instructor it means that my boats and kayaking equipment are not 
covered regardless! Who knew? And the punch line to this whole story is that 
my friendly insurance agent is my father!!!!! It's not like he doesn't know I 
do a lot of kayaking and stuff. Anyway, I found out that to cover my 
equipment would, over the years, cost more then it's worth. So it's still not 
covered. But at least now I know.

Scott
So.Cal.

 

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