Click to watch our video to learn more about boat insurance
Before we know, it's time to put the boat on the lake or get the ATV on storage, so now is a great time to check with your insurance agent to make your summer fun items are properly protected. Here are some tips on reviewing your coverage, and some questions to ask your agent to make sure you and your family are insured for the increased risk accompanying these outdoor recreational activities.
boat
small boats can be automatically covered by your homeowner policy but coverage is limited according to the size of the vessel and the engine. If you own a boat, ask your insurance agent about the policy of a boatowner that covers physical damage to the ship and any liability that might arise from its use.
watercraft such as jet skis, will also need a separate. the insurance policy
questions to ask your agent before putting your boat or personal watercraft in water :?
- Does my policy have adequate liability limits
- Are there special discounts for taking safety courses?
- Who made the cover of the policy to operate the boat or personal watercraft?
- Is it the responsibility of towing skiers or people on tubes covered by my policy?
Owning and operating a boat or jet ski puts you at increased risk for the loss of responsibility. Consider adding a personal umbrella policy to provide liability coverage, your boat policy offers. Talk to your insurance agent about your options.
Golf Carts
Golf carts are a popular recreational vehicle both on and off the golf course. The coverage of golf carts personally owned by homeowners and auto insurance policies is usually only provided by endorsement. Golf carts that are used regularly outside the premises may require a separate policy or can be added to your personal auto insurance policy as a recreational vehicle. Check with your agent for coverage options
Questions to ask your insurance agent.?
- golf carts are allowed on public roads if their main use
- Are they required to be registered?
- Are there age restrictions on who can use the golf cart?
ATV
All- terrain vehicles (ATVs) are not covered by standard automobile insurance policies; However, the policy of your landlord may partially cover your liability on an ATV. Ask your insurance agent or company if this coverage is enough to protect you and your family. You may want to consider a separate ATV policy to make sure you are properly insured
Questions to ask your insurance agent :.
- Are there age restrictions on who can operate the ATV?
- Does the policy cover my friends or family who operate the ATV?
- is there a discount for a track operator safety courses or to ride with a helmet?
Pools
sure to ask if your policy owner specifies all the safety instructions that you must follow, as the installation of some barrier height or door locked for example.
an insurance company can deny coverage or cancel your policy if you do not follow the safety instructions or do not inform the company when installing a pool. Check with your insurance agent for rates and the safety instructions before installing.
Having a pool puts you at increased risk for the loss of responsibility. You can also consider buying a comprehensive policy to ensure coverage of civil liability, the offers of the policy that your landlord.
Classic & Antique Cars
Although these valuable assets are often insured year, they get the best road time in the warmer months. Before it out of storage for the summer, talk to your agent about your coverage needs for your classic or antique car.
Rentals
For some of us, renting our summer fun is the way to go. But rentals also carry their own set of insurance risks and exposures.
Motor Homes
Most personal auto policies standards do not provide coverage for damage to a rented motor home. While liability coverage for personal use is expected, given the size of a motor home and the potential damage they may cause, liability limits of your personal auto insurance policy can not be not suffice.
Car Rental
car rental companies offer optional insurance coverage called Collision Damage Waiver to protect you against the financial responsibility should be the stolen or damaged vehicle while that under your control. The personal liability, personal injury and property damage would still be covered by your personal auto insurance policy.
watercraft
One of the most common scenarios for rent watercraft involves jet skis. Despite their popularity, the policies of most standard homeowners limit the available liability coverage for jet ski rental to those with 50 HP or less, so this limitation may exclude coverage for many, if not most, of the jet rented skis. Most non-motorized boats such as kayaks, rafts, canoes and boats should be covered, but it is always best to check with your agent before renting.
What about the physical damage coverage? Consider the cost to replace a pontoon boat you should be held responsible by the marina or facility rental. Read all rental contracts to ensure you know exactly what you will be responsible.
Holiday homes
Your personal liability coverage follows you everywhere, as does coverage for your belongings. If your rented vacation home be damaged or become uninhabitable, there can be no loss of use coverage under your homeowner's policy, so that you would be responsible for costs for alternative accommodation or go to House.
Whether you own or rent your summer fun, personal umbrella policy offers an extra layer of protection on that most primary liability policies provide. Talk to your agent about the additional protection of an umbrella policy.
Some of the above information courtesy of the Ohio Department of Insurance.
The covers are described above in the most general terms and conditions and are subject to actual policy exclusions. For the actual wording cover, conditions and exclusions, see the policy or contact your independent insurance agent.
0 Komentar