i am far from an insurance expert but i do know a little bit about it. if the insurance company does not pay for your boat and tackle then get a lawyer. unless you signed some form of waiver then the boat dealer, if i'm not mistaken, took on responsiblity for your boat when you left it in their possesion. i have heard of a few dealers around e-town here where i live who would make you sign waivers, but needless to say they are no longer in business. basically if for some reason their insurance won't pay i would bet that you could take the dealer to court and get your money for the boat since it IS their property that the boat was stolen off of.