Couple things I wanted to share with you as it relates to your insurance:
First off, I would STRONGLY SUGGEST doing the following as it relates to dealing with a possible claim situation:
1. Get yourself a box for storage of receipts for <U>ANYTHING</U> you buy for your boat/fishing...
2. Anytime you buy ANYTHING: rods, reels, tackle, lures, life jackets, etc...put that receipt in the box. Also, I'd recommend taking pictures of your gear and save the images. Again either in that box, or save the images on your computer in a file folder.
The reason for the above is for claims purposes...if you were to have your gear stolen, etc...this is the best and most substantial way to verify to the adjuster/company you have to deal with EXACTLY what you had prior to the date of the loss...I can't stress how much stress & headaches you will save yourself if you do this and keep receipts/pictures in a orderly fashion and stored in a safe place: (not in the boat!)
Next, when reviewing/renewing your policy call your agent and find out exactly what type of policy coverage your have as it relates to your boat. Do you have an agreed value/stated value policy? Or do you have a policy that allows for depreciation as the boat gets older? YOU WANT TO HAVE A STATED VALUE/AGREED VALUE POLICY! Regardless, finding out what type of policy you have is very important as it tells you how you should expect to be covered in the event you file a claim against your policy...if you happen to have a policy that allows for depreciation and you don't change coverage to a company that offers a stated value policy, at the very least you want to annually review the amount of coverage provided for the hull/boat, motor, and trailer as most likely they will lose some value - you can adjust the coverage amounts downward based on values you can find on http://www.nadaguides.com so that you are not overpaying for coverage you likely will never see in the event you boat it totaled. (example: If you bought your 01 Ranger for 45k, insured it for 45k, and it's now worth 25k, and you have a policy form that allows for depreciation...paying for 45k in coverage will not get you 45k in the event you total the boat...the insurance company will only pay will the current value of the 25k)
Lastly, here's what I really want to get across to you guys:
When you bought your boat did you simply shop for and then buy the cheapest rig you could find? Why or why not? Some do and that's OK...but I am willing to bet most of you shopped long and hard for exactly what you wanted with what you could afford...that being said:
Remember the following sayings:
1. <U>Good insurance isn't cheap and cheap insurance isn't good.</U> It doesn't mean being properly covered has to break the bank...but sometimes $5-$10 dollars extra a month or even a year can go a LONG way to covering you adequately.
2. There are no dumb questions when it comes to your coverage...Don't Be Afraid to Ask Questions About Your Policy & it's Coverages!!! I can't stress this enough: Don't be one of the people who wait to have a claim to then find out whether or not something is covered by your policy terms.
and most importantly:
3. <U>YOU BUY INSURANCE FOR CLAIMS...</U>
if you haven't had a claim: A.) of course you're happy with your company, as long as you pay them on time and they get your money why wouldn't you be...it's only B.) when you file a claim that you find out what you truly are getting for those insurance premiums you've been paying!
Hope this helps!