Let this thread be a lesson to everyone, if it has a motor, then it should have its' own insurance policy.
An uninsured loss can be very expensive, and take months and years to unfold, but if you got an insurance policy, everything gets done by your friendly insurance coverage.
If it does not have a motor, which could be a row boat, small sailboat, kayak, canoe, stand up paddle board, or foam noodle (ha ha ha), then it gets covered by standard home owner's insurance policy.
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... down and out, liv'n that Walmart side of the lake!
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