does anyone insure their yak/gear?

[oredith]

Originally Posted by goldenglory18

Do it!!! With the wear and tear that we put on our equipment, its definitely worth it.

If you follow through on it, please let me know. I'm really curious on what types of situations the policy lets you claim loss on....

my friend's an agent with state farm, and they have been super easy to deal with on claims in the past.

I knew that it would cover any sort of loss at sea already, but I specifically asked her "what if my tie down fails and the kayak goes flying while i'm driving?" she told me that the kayak and 100% of the items lost covered under the policy would be paid out the replacement cost.

as a point of reference, they took 2 weeks to pay out a 7k bill when my camera lens got damp and stopped functioning..

sounds like it's a good idea though. i'll tell her to hook both the kayaks up with a policy..