When I woke up this morning and looked outside at the gross whiteness dumped on us (storm of the century and all), it made me think of snowmobiles. And how happy riders will be. Although I may fight it, winter is here, and we must gear up to ensure our insureds are covered correctly. So, for those who don't mind the face-numbing cold or the 27 layers of clothing, this blog is for you.
I did a blog previously on insuring your ice castles. You may want to revisit that one so you aren't back sitting on that bucket on the tundra if your ice castle falls through the ice. We should also discuss the sleds you may use to get out to that bucket. First and foremost, there is a misconception that your sled is automatically covered under your homeowner's policy. This is not the case. You need to insure your snowmobile by scheduling it on your homeowners or getting it's stand-alone policy. Let's discuss the differences and what they mean to you.
With a stand-alone policy, you receive:
* Choice of liability limits
* Med-Pay coverage for drivers and riders. This provides medical costs for you
and/or your riders.
* Uninsured/Underinsured coverage
* Possible disappearing deductible option
* Trailer coverage is included with most policies up to a stated amount.
When adding it to your homeowners, you are limited to:
* Home policy liability limits
* Home policy perils only
* You have no coverage for yourself or riders for med-pay
* Claims will show on your homeowners, causing possible increases in rates,
could lose claim-free discounts, etc.
* No coverage for trailers unless scheduled
So, for those who like freezing your appendages off, you have options for insuring your snowmobile. It comes down to what is the best fit for you. Regardless, if you do not do one of the above, your sled is NOT covered. So if it falls through that ice you're sitting on the bucket because your ice castle fell in, you'll want to make sure you have it covered properly. Or you could find yourself hauling your bucket and pole while walking across the ice to your spot.
We want you to enjoy (for whatever crazy reason) our winter season. Have a chat with your agent. Discuss your options before you take a risk. Invite them out to your bucket! Like last winter, I'll keep the office warm and the coffee hot! Be safe out there! Keep the Bald Heads covered, folks! It's a cold one.
Commentaires