5.07.2014

Kayak Insurance

I can't tell you how many times I have had mini nightmares about my kayak somehow falling out of the truck while driving down the highway. The thought of having it stolen from my truck on the days I load everything the night before for an early outing the next day also makes me cringe. Even worse, the idea of some on the water accident.....

Interestingly enough, some insurance companies actually offer some peace of mind for the kayaker! A friend of mine sent me a message that he just insured his kayak. This obviously sparked my curiosity so I shot a quick email to my home and auto insurance agent. This query even had him scratching his head. In his many years of doing this, he frankly told me that he had never insured a kayak. Normal boats with motors and stuff, sure....but never a kayak.

After a couple of hours, and some calls to a senior underwriter, he wrote back, surprised, saying that they can indeed insure a kayak. Better yet, the policy would also cover $1,000 worth of fishing gear, $1,000 worth of personal stuff like fish finders, phones, cameras, etc..., medical, and even uninsured boater coverage.

The amazing part of all of this is that it only costs about $10 a month with a $250 deductible. So, in a nutshell, if anything happens - and I am still alive afterwards - I can replace everything for a mere $250 which is a fraction of the actual replacement cost. I'm covered everywhere, freshwater and salt, in North America. If you haven't yet, call your insurance agent and ask if they can cover you as well. It may seem like a bit of overkill but you really never know and for $10 a month, it's some comforting peace of mind.

13 comments:

  1. Through What insurance company?

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    1. I have AAA. If you are in Illinois, shoot me a message on the contact form and I can give you my agents number

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  2. This is great news! I'll have to check on canoes too. I've often been worried about it getting stolen off the roof overnight or ripped off on the highway!

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    1. Can't say for sure but I can't see why it wouldn't be!

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  3. this is good news i was just in a accident back in nov 2014. and my insurance company wouldn't cover my loss of my trailer and kayak. i am now having to sue the gal who hit me. i would like some more info on this as i now carrie my kayak in the bed of my truck. thanks rob.

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    1. Wow. Quite the story, Rob and exactly the type of thing that I was wanting to cover.

      Send me a note on my contact page and I'll send you my insurance agents contact info. I personally use AAA but I know people who do it through State Farm as well.

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  4. $120 per year seems like a lot to pay as insurance for things you're going to break or replace anyway.

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    1. Not really planning on breaking or replacing a $2,000 kayak anytime soon. And this coverage isn't for normal wear and tear. This is for complete loss.

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  5. I think about that every time I am driving down the road with my kayak sticking out the back of my truck.

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    1. Me too. I think about it even more when they are on top of a car rack. I have this mental movie of the rack failing and the kayak flying across the road and get run over by a semi. Not very likely but anything could happen. lol

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  6. Been there. Had two kayaks fly off the roof of my car and I learned about kayak insurance. I've been telling people about it ever since.

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    1. Good to know that I am not alone or crazy for my concerns! Thanks for the comment!

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  7. I like the bow tie method for the ability to take a complex event and create a visual display that is easy to communicate and understand. http://www.lifeinsurancerates.com

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