Kayak Insurance

[KatFish]

For those of you who are worried about losing all their gear or yak i.e. sinking, hitting rocks, another boat hitting you, whatever there is good news! I just got insurance with a $250 deductable and a $0 deductable for liability so if I happen to hit or ruin someone elses stuff were covered. For $18 a month thru State Farm two kayaks are fully covered including peorsonal property and medical!

[Yakin]

Originally Posted by KatFish

For those of you who are worried about losing all their gear or yak i.e. sinking, hitting rocks, another boat hitting you, whatever there is good news! I just got insurance with a $250 deductable and a $0 deductable for liability so if I happen to hit or ruin someone elses stuff were covered. For $18 a month thru State Farm two kayaks are fully covered including peorsonal property and medical!

Your joking right?

[jorluivil]

Originally Posted by Yakin

Your joking right?

I can still hear the crickets

[KatFish]

Yup! Dead serious whats $10 a month when I can easily spend that on weights or hooks and if I lose ANYTHING its covered these rod and reels cost too damn much!!

[bus kid]

Originally Posted by KatFish

Yup! Dead serious whats $10 a month when I can easily spend that on weights or hooks and if I lose ANYTHING its covered these rod and reels cost too damn much!!

Can you pm me your agents contact info please.

[dorado50]

You must be accident prone...thanks for the warning!

[steveoh]

So....when are you going out next and where????

[tacmik]

So you are paying $216 a year for ins. Plus $250 deduction that is $466 dollars to use it once a year. in the last five years, I have lost one rod and reel thru my own stupidity. That came to about $300 as opposed to $466 X 5 = $2330. Think I will pass. As for the liability, I think if I run somebody over with my yak, I won't do that kind of damage. If I'm hit by a power boat, he had better have the insurance.

[tima597]

I'm an Allstate agent. Might want to check your homeowner's/renters/condo policy. Odds are your kayak and any liability are automatically covered under one of the above policies. At least it is with Allstate. Might want to double check with your agent as you might not even need a separate policy.

[KatFish]

Originally Posted by tima597

I'm an Allstate agent. Might want to check your homeowner's/renters/condo policy. Odds are your kayak and any liability are automatically covered under one of the above policies. At least it is with Allstate. Might want to double check with your agent as you might not even need a separate policy.

What Renters Insurance Covers
Thank you for the info i did look into it first but good lookin out!!!

Renters Insurance Covers:

Examples not limited to:

• Fire or Lightning
• Windstorm or Hail
• Freezing of plumbing system
• Theft

Renters Insurance Doesn't Cover:

• Bodily injury or property damage that is expected or intended by the insured
• Business pursuits
• Professional services provided or not provided
• Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft

[KatFish]

Originally Posted by dorado50

You must be accident prone...thanks for the warning!

No but have read alot of crazy stories on here and online so I figured better safe then sorry! Accidents do happen and I dont need my husband to give me attitude when and if I do something stupid he'd be like WTF are you slow remember I AM NEW TO THIS AND I CANT PROMISE ANYONES SAFTY NOT EVEN MY OWN