article made possible by:
to Protect Your Toys
By: Glenn Walker
As the saying goes, “he who dies with the most toys wins,” through
out our lives we make a living to be able to buy those toys we want.
For me those toys are 99 percent fishing related. Since I am an avid
tournament bass fisherman my collection of tackle, rods and reels
could allow me to open up my own tackle store.
Many of you out there may have fishing and hunting equipment or even
a whole garage full of water sports equipment. Regardless of what
toys you have, it is important to know how to proper safe guard
yourself and your toys so that if something ever happens to them,
you won’t be out all of the money you have invested into your hobby
Once a year, usually as the snow and ice are making the winter drag
on forever, I get all of my fishing equipment together so I can
properly document it all so I have records of it all for my
insurance. Here is a simple five-step process that I follow:
1. It is crucial to have an in-depth understanding of what your
insurance policy covers and where it applies. Do you have protection
if your rods and reels are stolen out of your boat or they fall out?
Since policy coverage can get a little hairy, it is easiest and most
reliable to sit down with your insurance agent and have them explain
to your coverage’s.
2. List your items out and include how much they currently cost. For
example if I have a total of 15 Bandit crankbaits, I would simply
list 15 Bandit crankbaits @ $3.99 each. I will go through all of my
lures like this. For some things that may be hard to count, such as
hooks and sinkers, a logical guess of value is alright.
3. The next thing I do is take a look at my bigger items, such as my
rods and reels. It is important here to also find out if your
electronics, such as your depth finder and GPS is covered under you
boat policy or not. Regardless the same documentation steps should
be taken. If the item has a serial number, record this number. Again
simply list what you have and the current price it would cost to
4. Having a detailed inventory is a good thing, but to go even
further in protecting your stuff, it is crucial to have pictures of
everything. As you can see from the picture here, just by putting
out a tray of lures in a well lit area, you can zoom in with a
digital camera and get a very detailed picture of your belongings.
These pictures will speed up and give you less headaches if by
chance you ever do need to make a claim.
5. Now that you have your inventory and pictures you need to put
them in a safe place. I first save my inventory and pictures not
just to my hard drive on my computer, but also to a CD and a flash
drive. I also print out a hard copy of the inventory and pictures,
which get placed along with the CD in my safe deposit box. I have
on-demand access to my records on my hard drive and if that goes
down, then I can quickly pull them off of my flash drive and no
matter what they are safe in my safe deposit box at the bank.
With these five steps, you can quickly and efficiently take into
account all of your personal toys that you have worked hard to
acquire and do not want to have to buy again.