Matt--Check your home owner policy for coverage on rods/reels/equipment etc coverage. However, be advised---Insurance companies do not tolerate "personal claims" ---claiming a loss for personal items often result in one being placed on what I call an Insurance "Black List"---once a claim is paid, renewal and obtaining future coverage BECOMES , NOT ONLY DIFFICULT , BUT EXTREMELY EXPENSIVE---Do the math---if your electronics and other "equipment" would happen to disappear and you file a claim--$250 deductible + future insurance costs---talk to your insurance agent--they , often, will give you valued advise--
I carry full coverage, however, on the portable items---I "No Bid" the coverage---I have the usual electronics--2 Hummingbird Fish Finders, plus the Hummingbird 597, the usual rods/reels and tackle--accumulative, the replacement costs would be significant. However, if my boat were to be completely destroyed--after pro-rating all the stuff---the significant factor is the MOTOR, then the boat, then the trailer , then the trolling motor- ( I do pull the 597 and the trolling motor when I store the boat)--replacing the other "stuff" is off set with a $250 deductible-Your calculus may differ
