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 Post subject: Insurance?
PostPosted: Sun May 05, 2013 4:14 am 
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Site Rank - Captain

Joined: Sun Aug 12, 2012 5:45 pm
Posts: 42
Hi, everyone,

Does anyone buy insurance on their PA's, through Boat US or anyplace else? I'm in over five grand now, and I wouldn't want to lose it all in a mishap.

Thanks,
Larry


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 Post subject: Re: Insurance?
PostPosted: Sun May 05, 2013 4:58 am 
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Joined: Sun Nov 18, 2012 11:36 am
Posts: 167
Location: NW Arkansas
$5000 mishap? We call that a oops damnit in the Ozarks. Seriously I did not think about that. I do carry liability for my guide service. In Missouri if I use a trolling motor or sail I must register the boat and carry insurance.
Jim

PS: I didn't directly answer your question.
Nope.

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 Post subject: Re: Insurance?
PostPosted: Sun May 05, 2013 5:36 am 
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Joined: Wed Aug 10, 2011 6:28 pm
Posts: 326
Location: Raleigh, North Carolina
I have my Hobie 16 insured (primarily for liability) with Boat US. They seem very reasonable and their customer service is great.

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Garrett
94' H16 - 114050
www.HobieFleet97.org
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 Post subject: Re: Insurance?
PostPosted: Sun May 05, 2013 7:51 am 
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Joined: Mon Apr 26, 2010 6:06 am
Posts: 735
Location: Amelia Island, FL
Check with your insurance carrier (homeowners). It may be already be covered. Maybe not..... Like I said, check with your carrier.


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 Post subject: Re: Insurance?
PostPosted: Sun May 05, 2013 1:05 pm 
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Joined: Thu Mar 21, 2013 6:04 pm
Posts: 23
We have full coverage thru State Farm. It covers everything from loss including if we turtle and loose our poles, tackle, fish finder, cameras, etc. also if someone steals the whole thing they will replace everything. So there is a little peace of mind. It's like $75 each PA but we felt it was worth it...

Rob


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 Post subject: Re: Insurance?
PostPosted: Mon May 06, 2013 8:15 pm 
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Joined: Sat Nov 17, 2012 12:48 pm
Posts: 19
I also went through State Farm and for all my gear where I'm located is $84 a year insuring it to $5k. Also an FYI....most home owners insurance policies will not come close to covering most kayaks in price. If you read the clause, it will only cover up to $1500 on a kayak....if you have a trailer...trailers are typically only covers to $1500 as well. I questioned 2 companies about it because in a home owner policy...it states that a watercraft is considered a vessel under power by gas/electric motor or by sail. This may be a nice loop hole in the event something unfortunate did happen but I asked questions and it went to the underwriters. They were even uncertain to an extent so I would be cautious about testing those waters. Better safe than sorry....I know I'd hate to lose out on a lot of fishing when it will take over 30 years of paying insurance to reach what I payed for the kayak and accessories....only a $25 deductible at that price too.

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Braxton
-2013 Hobie PA12
-2010 Hobie Mirage Sport Hank Parker
-2012 Seabird Design Expedition LV
-1987 Hobie 16
-2010 Stellar SES
-Hobie Fleet 291 Yankton, SD
-South Dakota Canoe and Kayak Association


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 Post subject: Re: Insurance?
PostPosted: Fri May 10, 2013 1:29 pm 
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Joined: Tue May 07, 2013 10:07 am
Posts: 58
I contacted Progressive today about insuring the PA14 a total of $6500 in coverage for the PA, rods, reels, FF, trailer, etc. etc. They quoted me $472 for the year. I live in NJ. Is that expensive?


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 Post subject: Re: Insurance?
PostPosted: Sat May 11, 2013 4:39 am 
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Site Rank - Deck Hand

Joined: Sat Nov 17, 2012 12:48 pm
Posts: 19
I checked with Progressive and they were a lot higher than State Farm....considering I'm paying $84 a year for $5k in coverage vs over $400 for $6.5k...that is a bit high. Location may be an impact there and the number of kayaks out there that are insured. I could bump my coverage up to $7k for only $10 more per year. I'm in South Dakota and cost of living is a lot lower so that may impact it as well. I'd suggest checking out State Farm otherwise I've heard people mention reasonable rates from that BoatUS.com site as well.

_________________
Braxton
-2013 Hobie PA12
-2010 Hobie Mirage Sport Hank Parker
-2012 Seabird Design Expedition LV
-1987 Hobie 16
-2010 Stellar SES
-Hobie Fleet 291 Yankton, SD
-South Dakota Canoe and Kayak Association


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