: We recently became aware of this same problem, and eventuallly learned we
: could get riders from State Farm for our four canoes. We needed a separate
: one for each canoe, at a cost of $25 - $35 each, per year. Otherwise our
: coverage was extremely limited, even if the canoes stolen from a locked
: garage. If they'd been stolen from a cartop, we'd have been out of luck.

: Now all four canoes are covered against theft, but also against things like
: "collision, sinkage, and capsizing." The policies are designed
: for motorboats, but they can be used for a non-motorized craft.

: My suggestion... If your agent stubbornly insists otherwise, keep your kayak
: but shop for a different insurance agent. Good luck!

: Al

Don't know how feasable this is, but, has anyone tried taking their boat to a boat shop and getting an appraisal and then taking it to the insurance co. and showing them the true worth of the craft? Maybe they won't insure them because there's no set perameters or values established on the market. Get some literature from the designer/manufacturers as to cost and market value. Might help!!

Rehd