equipment cost and insurance

[Lures'n'Liberty]

The bass bug bit me pretty hard starting late last year and I've worked pretty hard to put together a reasonable beginner's collection of reliable and functional rod/reel combos and tackle. As far as the rods and reels go, I've bought some new, some used, and I've put some of the things my dad hasn't touched in years back into service. As for tackle, same deal, I've bought some nice things, some things from the bargain basement discount bin, and some really good stuff at the flea markets. I'd say I've built a tackle bag and rod locker that is well above and beyond what most novices have at their grasp and I've done it on a pretty low budget. I'll be upgrading all of this gear and then some, no doubt, and probably handing most of what I have now down to my girlfriend's sons as I do, but when I loaded up my 25 year old Chevrolet, I came to realize that my bass fishing equipment is worth slightly more than my pickup truck, and that doesn't even begin to take into consideration all of the trout and catfish gear that I had before. Do any of you insure your gear and if so, how? I'd really like to start thinking about this before upgrading my entry level equipment with higher end gear and since I saw a thread the other day about a pair of pliers that are also worth more than my truck, I'm hoping someone else has some input.

[Scott F]

Call your insurance man and get a quote. Your gear many already be covered by your homeowners or renters insurance. No one here can tell you what kind of policy you may or may not already have or what it may cost to cover your stuff.

[Lures'n'Liberty]

26 minutes ago, Scott F said:

Call your insurance man and get a quote. Your gear many already be covered by your homeowners or renters insurance. No one here can tell you what kind of policy you may or may not already have or what it may cost to cover your stuff.

I get that, although I was looking specifically at an additional rider for my homeowner's insurance. The way it is now, my gear is only covered if it is damaged in conjunction with my home or stolen from home. I'll definitely talk to the agent soon, although I would love to hear what the rest of you are paying so I know whether or not he's going to give me the shaft.

[Scott F]

You can't compare what I'm paying for insurance and what you get quoted for. Rates can vary by your age, where you live, the value of the gear you want covered, your history, how many other policies you have with your insurance company, even your credit rating. 

[fishwizzard]

 I talked to my insurance company last year about it as I was trying to insure that my kayak was covered when it was on top of my car. I have renters and auto insurance with the same company and after talking to the agent for a while he said that my renters would cover it if it were stolen from the top of my vehicle, and my auto insurance would cover it it was damaged in a collision.   Renters/homeowners will usually cover things stolen from a vehicle, but Like everyone is saying you have to call to make sure.   

[LOZSteve]

Renters or homeowners insurance will cover your sporting goods equipment up to the max of what is written in for the item. Of course if filing a claim you will have a deductible. On my home I think my coverage would be $1500. Unless you upgrade your coverage which can done through your agent. Auto insurance won't cover anything in your vehicle that isn't permanently attached to the vehicle, so if in a wreck or stolen there would not be any coverage. So key here is be careful with rods and tackle when you travel. If in your boat the policy will cover theft of rod and tackle or if your rods bounce off the deck into the water if not strapped down when running.