We assume all our possessions will be covered if we lose them or if they are damaged, but do you know how your insurance policy will truly respond—or even which one will respond when it is needed? Sometimes you need additional coverage.
Snowmobiles. Typically, a snowmobile is not covered by a homeowners, renters, or auto policy if it is used, or transported off your property. A snowmobile policy offers you collision, comprehensive, and accessory coverage. It also will help you pay your medical bills if you are injured, and bodily injury liability and property damage liability if you injure others or their property.
Boat stored on your property during winter. Depending on the value of your boat (typically over $2,000), your homeowners insurance policy probably won’t cover it if you store it on your property during the winter. A watercraft insurance policy is probably your best bet, which may have lay-up provisions for winter storage.
Possessions left in your car. Most auto policies won’t pay to replace items that are inside your car if it is stolen. However, these items may be covered by your homeowners policy. If you need to keep a lot of expensive items in your car, give our agency a call.
Jacuzzis. Generally, Jacuzzis are covered by your homeowners policy and offer liability protection if a guest is injured in or around the tub.
High-value items. Items like jewelry, furs, gold, and firearms, and many items of a unique or special value have very limited coverage under a standard homeowners policy, which may make additional insurance advisable.
What’s next?
If you have an item on this list, give your intendent insurance agent a call so they can help you check your policies and verify your coverage limits. If the things your enjoy aren’t kept safe now with the right coverage, you might not be able to enjoy them in the future.
Matt McDonough is PIA Northeast's writer, editor and content curator. Matt joined PIA Northeast in September 2023. Before that, he had been an editor for the online entertainment magazine Collider from 2021-23 as a copy editor for its lists section. Matt entered the world of journalism at his alma mater, SUNY New Paltz, writing and reporting for the college's student run newspaper, The New Paltz Oracle. He graduated from SUNY New Paltz with a Bachelor of Arts in English and a minor in Creative Writing in 2020.
