I've got a boat policy from State Farm for all my gear. It costs about $90/yr and covers two boards, five-sail quiver, three masts, and two booms at full replacement cost. I think its $100 deductible. Stolen off the car, its covered. Boating accident (break a mast and ditch the rig to paddle back), it's covered. I've not made any claims against the policy, so check the fine print before you buy. Hope this helps- -df out,out,out,out,out ______________________________________________________________________________ Dan Farmer danf@juniper.net-DeleteThis Mechanical Design Engineer voice: 408-745-2007 outJuniper Networks fax: 408-745-8905 1194 North Mathilda Avenue Sunnyvale, CA 94089-1206