Author Topic: Home Insurance for SUP gear  (Read 1682 times)

SUPDaddyBear

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Home Insurance for SUP gear
« on: September 12, 2019, 06:24:18 AM »
Hi all,

My dad's garage was recently burgled and they stole his paddle and board among other things. He tried to claim for these on his home insurance but was told that watersports equipment like surfboards, windsurfers, SUP's and boats were not normally covered.

I have spoken to my insurer as well and they do not cover them either allthough they do cover surfboards which is weird!!

I was just wondering if anyone had any advice on insurance for my gear at home please? I've tried to google it and all it comes up with is watersports travel insurance.

Thanks in advance
James

PonoBill

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Re: Home Insurance for SUP gear
« Reply #1 on: September 12, 2019, 07:02:17 AM »
If your agent knows what he's doing you can add a rider for about anything, but you might not like the price.
« Last Edit: September 12, 2019, 07:04:39 AM by PonoBill »
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tautologies

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Re: Home Insurance for SUP gear
« Reply #2 on: September 12, 2019, 10:06:36 AM »

Wow, that is weird. I just asked my insurer. Will keep you up to date.

SUP616

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Re: Home Insurance for SUP gear
« Reply #3 on: September 12, 2019, 11:10:02 AM »
I just added a rider this week for 2 SIC boards and 2 QB paddles for about $30/year total.  Covers 100% replacement cost for loss, theft, or damage with a $0 deductible through a well known provider.

I’d recommend getting in touch with an agent/broker and going through an insurance review every few years.

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Dusk Patrol

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Re: Home Insurance for SUP gear
« Reply #4 on: September 12, 2019, 11:29:25 AM »
I had coverage for a board stolen from my deck, without a rider, so it is likely also a function of different carriers’ coverages.
Bullet V2; RS 14x26; New Deal 9'6; BluePlanet 9'4

Bean

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Re: Home Insurance for SUP gear
« Reply #5 on: September 12, 2019, 11:34:19 AM »
Also, the rider might still be subject to the deductible.  In my case $2000, so unless several boards are lost in the same event, no recovery for me...

iopsailor

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Re: Home Insurance for SUP gear
« Reply #6 on: September 12, 2019, 12:59:26 PM »
When I had a catamaran, I got  a rider to my homeowner’s policy. I was reading the policy one day (rtfp as they say in the biz) and noticed it excluded storing on the beach and sailing in the ocean, making it useless.  I got a separate stand-alone policy which had a $100 deductible and a $70 premium.  It paid 3 large claims over the years.  It came under the classification of Inland Marine.

Dusk Patrol

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Re: Home Insurance for SUP gear
« Reply #7 on: September 12, 2019, 01:47:01 PM »
^ interesting. What was the nature of the damages?
Bullet V2; RS 14x26; New Deal 9'6; BluePlanet 9'4

iopsailor

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Re: Home Insurance for SUP gear
« Reply #8 on: September 12, 2019, 02:27:28 PM »
The mast was bent each time. The third time they paid the claim and didn’t renew the policy.  Never weaseled on a claim.

SUPDaddyBear

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Re: Home Insurance for SUP gear
« Reply #9 on: September 13, 2019, 01:27:13 AM »
Thanks for all the replies but I'm not sure what you mean by adding a rider?

I'm in England so may just be our insurance companies being difficult and not very bespoke.

When I spoke to them, I asked if they had anything to cover it but nothing was offered

I thought it was something worth raising to the UK crowd so they don't get stung like my dad did.

Cheers

tautologies

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Re: Home Insurance for SUP gear
« Reply #10 on: September 13, 2019, 11:27:33 AM »


I checked with my insurer, and they said it is covered as long as I am not a professional watersports person.

I have Lemonade and like them.

Dusk Patrol

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Re: Home Insurance for SUP gear
« Reply #11 on: September 13, 2019, 01:10:54 PM »
I'm in England so may just be our insurance companies being difficult and not very bespoke.

I have LLoyds (but in the states) and they covered the theft from the residence.
Bullet V2; RS 14x26; New Deal 9'6; BluePlanet 9'4