Steve, thanks for your reply.
We have been State Farm users since 1961.
We have an umbrella insurance policy for our liability. Our Malone Sport Trailer is covered for $16 per year.
Thanks to you, we will now have replacement insurance for our 2009 Oasis and my new Freedom Hawk/Bassyaks Pathfinder with a $200 deductible per yak.
Each yak will cost about $50 per year. They are listed as sail boats at this time by our agent.. Since I have a Windpaddle Sail that can fit on either yak, they are also sail boats.
I just added a policy with State Farm to cover my 2 Hobies. I'm sure rates can vary by state, how long you've been with the insurance company, previous claims, age, etc.
For my PA with $2K personal property (covers what's added and in kayak), $2900 kayak replacement, $100K liability, $5K medical and a small $100 deductible, my rate will be $107 per year. The wife's Revo 11 is costing $68 a year with the same items except no personal property (she doesn't fish) and a $1900 kayak replacement figure covers hers.
So for about $175 a year I have them covered. My bass boat I sold was a little more, but not much. I've had boat insurance with State Farm since 1984 and been a policy holder since 1981.
No idea how my rates and coverage compare to others, but I'm fine with them. Since folks were asking, I thought I would share. I do not use a trailer. We can carry both in the pickup bed using the extender. I do have my auto and home insurance with State Farm as well.