Also posted in the lounge. Agent is telling me contents coverage only covers if the boat sinks, does not cover for theft. This applies to the non-attached contents such as rods, reels, tackle, life jackets, etc. Is this correct? Also says I can't buy theft coverage on the contents. He says since we don't own a house (sold ours, living in RV until we find another) we would not be covered for tackle theft. Advice please. Thanks