Imagine this — you’re enjoying a day on the lake, kayaking from shore-to-shore. As you cross the water, a motorboat sideswipes you and your kayak. Your kayak is destroyed, you’re hurt and the owner of the motorboat has minimal insurance, which won’t be able to cover the cost of replacing your kayak or your medical bills.
You — who proactively secured underinsured/uninsured boater coverage years ago — contact your insurance company only to learn that a non-motorized boat isn’t covered on your marine policy. Why? Because you didn’t specifically list the non-motorized watercraft.
The premiums for non-motorized watercraft are generally minimal — about $30 for the year. Thus, if you like to kayak, canoe or row a boat, take a few minutes and call your insurance company to be certain you are properly insured.
