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.
-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