BOATS STOLEN - INSURANCE BAILING - I'M BUMMING. - Mountain Buzz
 

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Old 12-08-2006   #1
 
Join Date: Dec 2006
Posts: 1
BOATS STOLEN - INSURANCE BAILING - I'M BUMMING.

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.

CHECK YOUR POLICY TO BE SURE YOUR BOATS ARE COVERED.

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

Thanks,

Greg

303-800-1409

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Old 12-08-2006   #2
 
Join Date: Jul 2005
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That sucks big time. Where'd it happen?

COUNT
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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.

norm
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Old 12-09-2006   #4
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Unincorporated Douglas County, Colorado
Paddling Since: 2005
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Posts: 967
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
 
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Denver, Colorado
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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
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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
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pnw, Colorado
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uh, wait, musical instruments? I assume that includes guitars...right?
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Old 12-11-2006   #9
 
Grangeville, Idaho
Paddling Since: 2002
Join Date: Oct 2006
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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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