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Home owners insurance may cover it but I may be mistaken. I had insurance through progressive on a $12k 17ft Trimaran made out of the same stuff kayaks are made from called a Windrider 17. The insurance ran $36 a month and included bodily injury of $150k plus covered actual cost of the boat and not their estimated value with depreciation if something happened to it. For yours it would likely be ridiculously cheap.
 

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Insurance against theft maybe? I'm wondering what you could do to a kayak to need insurance money to cover. I had a large SUV knock the hell out of my yak 2yrs ago. Yak was strapped to a bed extender and actually lifted my rear end up as the yak drug up the hood, smacked the windshield and slammed down the passenger door (t-boned). Her truck was far worse off that my yak lol. Only damage to the PA...a scar from the strap digging into it. I'm rather proud of that strap too lol.
 

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Didn't you see that mayhem guy on the Allstate commercial?
I feel guilty to say I like that guy. He is so destructive! Cracks me up every time.

IJS
 

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Your homeowners would cover it for theft or damage if it was totaled, but you'd still have to pay your homeowners deductible which may be more than the cost of a new yak.
I'm pretty sure you can get insurance on them, I wonder if they'd cover the things you've added to it? i.e. fish finder, permanently mounted rod holders, etc.
 
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