🚣‍♂️ Why Grant from Oklahoma Insures His Kayak — And Thinks You Should Too

Meet Grant — a laid-back paddler from Moore, Oklahoma who lives for weekends on the water. When he’s not working, he’s loading up his truck and heading to float and fish the rivers of Arkansas. He’s not chasing trophies or Instagram fame—he just loves the peace and quiet of a good float trip with his kayak, a fishing pole, and a cooler full of snacks.

But after a few mishaps and close calls, Grant realized something:

Kayak insurance is totally worth it.

Here’s his story—and why you might want to follow his lead.

⛽️ It Costs Less Than a Tank of Gas

A few years back, Grant dropped his kayak in the driveway and cracked the side. Ouch. 😬 The repair cost him over $200, and it hurt more than stepping on a Lego. At first, he thought it was just bad luck, but when he added up what repairs and replacements might cost over the years, he realized he was risking a lot.

That’s when he discovered kayak insurance—something he hadn’t even thought about before. The kicker? It only cost him about $30 a year. That’s less than what many people spend on gas for a weekend trip. For Grant, it was a no-brainer: a small price to pay for protection against expensive surprises.

“I couldn’t believe I’d never thought of it before,” Grant said. “It’s like wearing a seatbelt for your kayak. For less than a tank of gas, I sleep better at night knowing I’m covered.”

🎒 It Covers More Than Just the Kayak

Grant didn’t realize how much gear he’d collected over the years. His kayak wasn’t just a boat—it was a floating command center with a fish finder, a GoPro to capture those perfect casts, a GPS, a top-notch carbon paddle, and waterproof dry bags filled with everything from snacks to safety gear.

When he took inventory, the total value surprised him. The gear alone was worth nearly as much as the kayak itself! He worried that if something happened to any of it, replacing everything would break the bank.

That’s when he learned his insurance policy could cover all his equipment—not just the kayak hull. That meant if his GoPro got smashed during a tip-over, or his fish finder was stolen while he took a break on shore, he’d be covered.

“It’s not just about protecting the boat—it’s everything that makes my trips awesome. Knowing my gear is protected gives me the freedom to explore new places without constantly worrying about losing my stuff.”

😵‍💫 Accidents Happen — Even at Home

Kayaking isn’t always smooth sailing, and Grant knows that better than most. One Saturday morning, while rushing to get ready, a tie-down strap on his truck suddenly snapped. His kayak tipped sideways, hitting the pavement hard. That kind of damage could’ve been a huge headache—especially if it had happened right before a big trip.

Luckily, Grant’s insurance covered accidental damage like this. He just sent a few photos, filed a claim, and got the repair costs taken care of quickly.

“I’m not exactly graceful when it comes to loading my kayak,” Grant laughed. “Having insurance means I don’t have to panic over every little mistake. It’s a relief knowing they’ve got me covered when life gets messy.”

🛻 It Protects You During Storage and Travel

For Grant, kayaking isn’t just about the time spent paddling. There’s a lot of loading, unloading, driving, and storing involved. He spends just as much time making sure his kayak is secure on top of his truck or tucked safely in the garage as he does on the water.

One time, during a stormy drive through Arkansas, strong winds pushed his kayak sideways while it was strapped to a trailer. It rattled him—and could have caused serious damage. Without insurance, the cost of fixing that damage could have been a serious hit to his wallet.

“I realized damage can happen anytime—even when you’re not on the water. Having insurance that covers travel and storage means I’m protected 24/7, not just while I’m paddling. That’s peace of mind you can’t put a price on.”

⚖️ It Even Covers You If You Cause an Accident

Kayaks might not have motors, but that doesn’t mean you’re off the hook if something goes wrong on the water. Grant learned this the hard way after accidentally drifting too close and bumping into another boat. Thankfully, nobody was hurt, but some of the other guy’s gear went overboard.

He had no idea that, without insurance, he could have been held responsible for paying to replace the lost gear or even medical bills if someone got hurt.

Thankfully, his policy included personal liability coverage—which helped cover the costs and kept him out of legal trouble.

“Most paddlers don’t think about liability until it’s too late,” Grant said. “Having that coverage saved me a ton of stress and money. It’s one of the smartest parts of my insurance.”

Final Thoughts from Grant 🚤

“If you kayak more than a couple times a year, just do it. Get the insurance. It’s cheap, it’s easy, and it covers way more than you think.”

Whether you’re like Grant, floating the rivers of Arkansas, or just paddling your local lake, kayak insurance might be the smartest (and cheapest) decision you make all year. You never know what could happen out there—so why not be ready?

“It’s about enjoying the water without worrying about what-ifs. Knowing I’m protected lets me focus on the fun stuff—catching fish, soaking up the sun, and just being out there.”

So next time you load up your gear, take a minute to think about it:

What’s your peace of mind worth? 🛶✨

Ready to protect your kayak like Grant?

Click the link below to get a quick, easy quote and find a policy that fits your adventures perfectly!

🔗 [Click Here To Get Your Kayak Insurance Quote Now!]

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