Insurance for Cataraft - Mountain Buzz

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Old 09-02-2016   #1
Lees Summit, Missouri
Paddling Since: 2015
Join Date: Sep 2016
Posts: 1
Insurance for Cataraft

I have an Aire Jaguarundi. Does anyone know of an insurance company that will insure damaged or stolen? Liability is all I can find offered. I would like to buy a new outboard yamaha 8 HP and they are about $2000. It would be peace of mind if I could insure it. But no one will, at least I cannot find anyone.

What I have run up against is insurance company considers the Cataraft as "A KIT" boat and will not insure a boat that is a kit.


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Old 09-02-2016   #2
elkhaven's Avatar
Belgrade, Montana
Paddling Since: 1991
Join Date: Sep 2013
Posts: 2,195
You're better off taking $30 a month and putting it into a savings account - then when/if your shit gets stolen or wrecked you'll have some money to replace it. With insurance, all you're doing is insuring you will loose money in the long run.

I've paid WAAYYY more $ into insurance (homeowners, veh, renters, etc) than I've ever gotten back. The only exception would be liability - but then again if you flip a boat and someone get's hurt or worse it's not going to cover it. I don't even know what it would cover? Maybe if it falls off your trailer and a car hits it??..? I'd be curious to know what liability would cover.
"If you dont do it this year, you will be one year older when you do"
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Old 09-02-2016   #3
Renaissance Redneck
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Huson, Montana
Paddling Since: 1988
Join Date: Mar 2004
Posts: 1,213
My State Farm home owners only covers boats for 1000 $
"You're gonna be doin a lot of doobie rolling when youre LIVIN IN A VAN DOWN BY THE RIVER"
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Old 09-02-2016   #4
Nye, Montana
Paddling Since: 2012
Join Date: May 2015
Posts: 276
My shuttle rig along with my raft trailer was stolen. My insurance covered the vehicle but not the trailer. It was locked onto the receiver hitch even.
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Old 09-02-2016   #5
Rockgizmo's Avatar
Colorado Springs, Colorado
Join Date: May 2009
Posts: 99
So I recently inquired with my insurance about covering my boats. I put together an itemized cost list for each boat along with all the rigging. They came back with a special boat policy/ addendum in my home owners insurance policy that covers the cost of replacing the boat and gear incase of a fire or if stolen. It's about $200 a year for both boats.

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Old 09-04-2016   #6
Randaddy's Avatar
Eastern Slope, Colorado
Paddling Since: 1980
Join Date: Jun 2007
Posts: 2,466
Your homeowners insurance, or renters insurance, should cover theft. Damage shouldn't be catastrophic - save your money and know a good boat repair shop.
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Old 09-05-2016   #7
Panama Red's Avatar
glenwierd, Co.
Paddling Since: 05'
Join Date: Feb 2015
Posts: 276
Homeowners policy 2 boats one policy at 10k the other @ 20k. 100 dollar deductible. And it costs 200 a yr.

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Old 09-23-2016   #8
Riverman4utoday's Avatar
Grand Junction, Colorado via Oregon
Paddling Since: 1976
Join Date: Jun 2013
Posts: 85
State Farm if you are in Colorado. I have my raft/equipment/trailer(about $15k total coverage) insured with State Farm with $100 deductible on a boat owners policy for $120 annual premium. Your homeowners will not cover like a boat policy as it is a named peril policy usually with high deductibles, where as a boat policy us usually an all peril policy tailored specifically for boats. I personally did not opt for liability coverage, just property coverage. Hope this helps!
Grand Junction CO
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