> 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. *************************************************************************** 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/ ***************************************************************************
Scott H said: > 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!!!!! When I inquired about this with my insurance agent, I was told my boats were covered against theft and "property damage" as part of my homeowners coverage. Although, knock on fiberglass, I haven't had to file any claims - yet. Steve Holtzman *************************************************************************** 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/ ***************************************************************************
> When I inquired about this with my insurance agent, > I was told my boats were > covered against theft and "property damage" as part > of my homeowners > coverage. I called my agent today just to see what coverage we had. I was told basically the same - away from the house the coverage is 10% of the personal property coverage (which is some calculated percentage of your house coverage amount). Unless you have a *much* smaller house than our very little app 150 yr old one, even your more valuable boats should be covered. __________________________________________________ Do you Yahoo!? New DSL Internet Access from SBC & Yahoo! http://sbc.yahoo.com *************************************************************************** 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/ ***************************************************************************
Take what your insurance agent says with a grain of salt. Ask them to show you where in your insurance policy it talks about kayak/boat coverage and read it for yourself. It does not matter what they tell you that counts rather what is documented in your insurance policy when it comes time for you to make a claim. Steve Holtzman wrote: > Scott H said: >> 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!!!!! > > When I inquired about this with my insurance agent, I was told my boats were > covered against theft and "property damage" as part of my homeowners > coverage. Although, knock on fiberglass, I haven't had to file any claims - > yet. > > Steve Holtzman -- Jan Mason td376_at_mail.anonymizer.com *************************************************************************** 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 07:45 PM 10/2/02 -0700, Steve wrote: >Scott H said: > > So I checked with > > my friendly insurance agent only to learn that "recreational" watercraft > > was not covered! > >When I inquired about this with my insurance agent, I was told my boats were >covered against theft and "property damage" as part of my homeowners >coverage. Although, knock on fiberglass, I haven't had to file any claims - >yet. My agent said that the boats are covered by my homeowners insurance but wanted an inventory of all of them with value. Rather a long list, I'm afraid. Steve Cramer Athens, GA *************************************************************************** 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/ ***************************************************************************
> My agent said that the boats are covered by my homeowners insurance but > wanted an inventory of all of them with value. Rather a long list, I'm > afraid. Yeah, my agent thought that my boats were covered by the homeowners as well --- until I filed a claim and we both found out otherwise. If your agent believes that you are covered, then ask him if you can get it in writing. Your agent shouldn't have any problem honoring this request. Good luck! Scott So.Cal. *************************************************************************** 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/ ***************************************************************************
Perhaps this thread is a bit long and scraggly by now... But I can't think of a more appropriate instance where "Your Mileage May vary" connects with "Get it in WRITING". I have a special rider on my homeowner's policy to cover items I use professionally...computer gear for my writing and teaching...musical gear for my income as a working musician. I am covered, partially, by homeowners for any and all of these items under certain circumstances...but to be sure I am covered for replacement value under the widest array vs. acceptable risk, I have specific riders and I pay extra. I've had to file on stolen laptops, amplifiers destroyed by airlines, etc. and my riders have been worth every penny. They are also part of my tax claim against income. My kayak and related gear is a significant expense. Even if it depreciates in 'actual' value, my replacement cost escalates. My rider covers a wide array of damage, vandalism and theft. You pays your money, you takes your chances. Assume what you want or what your field agent tells you over the phone if you'd like, but you take your chances there, too. An alternate practice might be to set aside a like dollar amount that you'd pay in premiums to a special 'kayak protection & replacement fund"...you're betting that you'll save as much to replace before an actual theft or incident occurs, and the money never leaves your access or control. -Will *************************************************************************** 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/ ***************************************************************************
Re: boat insurance To check this out, I called my State Farm agent who called both the regional office and the national claims office. In North Carolina, my State Farm homeowners policy covers theft or other loss on the premises only up to $1000/boat. There is no coverage once I drive out of my driveway and no coverage associated with my car insurance policy: rack is covered, kayak isn't. To get a separate $3500 (replacement coverage) boat owners policy for my P&H Quest from State Farm would cost me $240/year. Anyone know of any specialty insurance agencies that could do better than this? John ********************************************************* John S. March, MD, MPH Professor of Psychiatry and Behavioral Sciences Department of Psychiatry and Behavioral Sciences Duke Child and Family Study Center 718 Rutherford Street Durham, NC 27705 919/416-2404 (P); 919/416-2420 (F) Email: jsmarch_at_acpub.duke.edu Website: http://www2.mc.duke.edu/pcaad "I maintain there is much more wonder in science than in pseudoscience. And in addition, to whatever measure this term has any meaning, science has the additional virtue, and it is not an inconsiderable one, of being true." --Carl Sagan ********************************************************* *************************************************************************** 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/ ***************************************************************************
This archive was generated by hypermail 2.4.0 : Thu Aug 21 2025 - 16:33:31 PDT