"Del Cecchi" wrote in message

Check your homeowner's insurance. It might cover stuff like tools and
fishing poles.

The interpretation I've received is that HO should cover any ancillary item
on the boat that is not normally or exclusively considered a marine item, or
something you might likely carry back and forth with you. HO would not
cover a 12V coffeemaker, but would probably cover a 120V unit. That sort of
thing.