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.