Many of the kickers have charging systems hooked up to the battery switches. Some even have TR-1's installed. They would be a major pain to remove all the time. Just keep good insurance and take pics of everything you own. Rods are included in many cases. Mine are thru Allstate. If its a regular 2 stroke with no hookups except the transom screws and a fuel line then I could see taking it off and having a rolling stand to get it in the garage or shed. Either way it does suck that this happens. Sorry to hear about your loss.

Bob D