Are Canoes and Kayaks Covered by Boat Insurance?

Few things compare to a quiet afternoon on a calm lake or river. If you own a kayak or canoe, you likely cherish these and other serene moments when you can get on the water. It’s important, then, to ensure you have proper financial protection to help protect your vessel.

What Does Boat Insurance Cover?

Boat insurance is designed for midsize to large, motorized watercraft. This may include speedboats, motorized fishing boats and pontoons. Depending on the policy, it might cover hull damage, liability, medical payments and contents left onboard.

Do Canoes and Kayaks Qualify?

In many cases, non-motorized small watercraft like kayaks and canoes do not qualify for a standard boat insurance policy; however, this might vary by insurer.

What are My Options?

Bill Caldwell Insurance Services LLC can help determine your needs and review potential policy options. Your homeowners’ insurance personal property coverage may be able to provide some financial protection for your kayak or canoe. This coverage is often limited and may not fully meet your unique requirements. You may wish to secure separate coverage depending on your watercraft’s value and if you use a towing trailer.

Alternatively, some carriers may offer specialty coverage for kayaks and canoes. You may also be able to insure them specifically through an endorsement on your homeowner’s policy.

How Do I Decide?

Protecting yourself financially on the water is important, no matter what kind of vessel you captain. Contact Bill Caldwell Insurance Services LLC to explore your kayak and canoe insurance options. We can evaluate your specific circumstances and recommend suitable coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.