Your boat is not the only thing you can insure with boat insurance. You will likely also take several items on-board that you would rather not pay to replace if they are lost or damaged. Can you afford to replace personal effects if they are stolen or damaged, such as fishing tackle or your cell phone? If not, KADAIR Insurance will help you find an insurance policy that offers the coverage you need for your personal effects and fishing equipment.
Personal effects coverage protects your personal effects on your boat along with boat-related items. This includes:
If your personal property is lost or damaged while onboard or while being carried off or on an insured boat, your personal effects insurance will pay the replacement cost. This type of insurance coverage is available for all types of personal watercraft and boats we insure, with coverage available up to $5,000 with a $1,000 limit per item.
Along with personal items, you may have expensive fishing tackle and other equipment on-board. Fishing equipment coverage pays for damage or loss to your fishing equipment while you are on board or while carrying your equipment on or off an insured boat. You can receive up to $10,000 in coverage for damaged equipment, or up to $1,000 for the damage or loss of each item (a tackle box is considered one item, regardless of how many items are stored inside).
You do not need to submit a homeowner’s insurance claim for damage or theft of your fishing equipment when you choose this coverage on your boat insurance policy, as it is considered primary.
If you plan to go fishing while you are on your boat -- or bring aboard personal items that would be costly to replace -- make sure you protect your assets with fishing equipment and/or personal effects coverage. This type of coverage is very affordable and may be added to your policy. Contact KADAIR Insurance today to build a custom boat insurance policy with the coverage you need at an affordable price.