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My brother just put his truck through the ice today so I have an answer to this question. In Minnesota, if you have comprehensive insurance the recovery of the truck and the truck loss will be covered - less the deductibles. Personal property for ice fishing equipment etc will be paid by your homeowners insurance - less the deductibles and subject to any limits on sporting goods in your policy. Many people will purchase additional coverage or higher limits if they have guns, fishing equipment or other sporting goods in excess of $1000.

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Q: What if your truck went through the ice is it covered by insurance?
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