All of my tackle is insured under my home insurance. I have up to 40K for "sporting equipment" and I clarified specifics as to what could be claimed in the event of mishap as I collect certain things that may be worth more than a shimano sienna. We also have a separate policy for our items up north. As for my boat policy, it's a separate rider on my insurance and has all specifics laid out for trolling motor, electronics, kicker etc. Any company should be able to do this for you relatively easily unless the agent is a dolt!