[Paddlewise] Insurance- was security/boat locks

You may recall the thread a few months back about insurance for kayaks. I 
did some research as a follow-up to the discussions, and found it nearly 
impossible to find a company that would insure kayaks. My own home 
insurance company, Peerless, had stopped providing riders for stolen kayaks 
last year. I should mention that my agent provides policies from several 
companies. She did some investigation and came up with a company that would 
cover my three boats for $300 per year! She found out that most companies 
were reluctant to even consider covering stolen kayaks, as the incidence of 
stolen boats has risen so dramatically over the last three years. Not only 
that, but the coverage she found would not be for replacement, but for a 
pro-rated/depreciated value of the boat. Hmmm.

I called State Farm, our vehicle insurance agent, and I tried to get them 
to match coverage of the Peerless home owners policy... that is, with the 
boats covered for theft. Never got a return call... which surprised me, 
because I thought we had a pretty good relationship with them. Then things 
got busy, and I lost momentum in the investigation. Such is life.

Bottom line, would anybody care to give particulars on their policies... 
major carrier? costs? experiences?

Tom (who loves his GS, but appreciates boats that seem to "effortlessly" 
achieve cruising speeds of 7, 8 or 9 mph)  :)  :)
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