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
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