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Old 12-08-2006   #1
Join Date: Dec 2006
Posts: 1

I had 3 boats stolen over the weekend. I thought they were insured under my homeowners policy; turns out they were not. Back when I got the policy, I specifically asked if kayaks were covered and the agent said yes. Go to file a claim and the insurance company says things have changed, you were notified and you are NOT COVERED; showed me it in the fine print and everything.


And if you happen to run across any of the following under peculiar circumstances, please contact me:

1) Blis-stick Huka: Orange & yellow with big red splotch on the bottom.

2) Wavesport EZ: Greyish Blue w/IR Backband & Salamander Beam Bag.

3) Liquid Logic Pocket Rocket: Yellow

EZ or Pocket Rocket may be in brand new boat bag

Also stolen (and not covered): 3-paddles - AT2, Seven2, Werner




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Old 12-08-2006   #2
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Summit, Colorado
Paddling Since: 1996
Join Date: Jul 2005
Posts: 2,085
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That sucks big time. Where'd it happen?


"The world would be a better place if everyone kayaked."-Brad Ludden (Valhalla)
"You only get one chance to run a drop blind."-DD
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Old 12-09-2006   #3
Canon City, Colorado
Join Date: Sep 2006
Posts: 17
make a police report to document

your loss. we b on the lookout, tho it'll be tough in the off season. if youve got some kayak shops that sell used kayaks, ask those guys and perhaps theyll let u post a "lost" poster. a couple thoughts. hope they turn up and the bad guys get caught.

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Old 12-09-2006   #4
rwhyman's Avatar
Unincorporated Douglas County, Colorado
Paddling Since: 2005
Join Date: May 2005
Posts: 961
That really sucks.
So that others with the same company can check into it, who is your insurance co?
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Old 12-11-2006   #5
Join Date: Jul 2004
Posts: 42
I understand that almost all insurances won't have enough coverage or won't cover water craft unless you specifically beef up this part of your policy.
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Old 12-11-2006   #6
Livingston's Avatar
Denver, Colorado
Join Date: Jan 2004
Posts: 679
you need to call mike pagel. see the other thread.
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Old 12-11-2006   #7
Grangeville, Idaho
Paddling Since: 2002
Join Date: Oct 2006
Posts: 102
As an insurance salesman at Allstate I know that you have to specifically put watercrafts on you policy, just like musical instruments or tools over $2,500. If you have a renter's or Homeowner's policy talk to your agent and make sure your boats are covered. It only costs me around $15 a year for my gear to be insured up to $2,000. It's definitely worth it. If you don't have an agent give me a call at Allstate in Ft. Collins and I'll get you set up - 970-493-4263
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Old 12-11-2006   #8
pnw, Washington
Join Date: Oct 2003
Posts: 3,404
uh, wait, musical instruments? I assume that includes guitars...right?
"Yesterday I was clever and tried to change the world. Today I am wise and try to change myself." -Rumi
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Old 12-11-2006   #9
Grangeville, Idaho
Paddling Since: 2002
Join Date: Oct 2006
Posts: 102
Depending on your policy/company. I know that Allstate, State Farm and I think American Family all need a scheduled personal property endorsement for all those types of things(also jewelry - wedding rings..). If you're not sure call your company and just tell them I have a few kayaks and a couple guitars - am I covered if they get stolen? If not, it really shouldn't add much to your policy. Maybe $10-30 a year depending on how high you want your limit and that's only about $1-2/month. But if you're not sure, call your agent.
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Old 12-11-2006   #10
Join Date: Dec 2006
Posts: 1
In Colorado currently the standard homeowners form provides for $1500 of coverage for watercraft. Did you have a specific watercraft exclusion in your policy? If you have boats and their related equipment in excess of $1500 then you would need to schedule them.

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