Off to the Slopes

February 15, 2019 / Posted by bbrandenburg

Traveling with expensive ski equipment is safer with the right insurance.

Did you know Michigan is home to the Midwest’s highest vertical drop? If you’re an avid skier, you may well know this and many other facts about Michigan’s rural and quasi-suburban skiing opportunities, both downhill and cross-country. In fact, Michigan is second-highest in the nation for the number of ski areas in a state.

With that in mind, you may be tempted to head right out to a park or the slopes, but don’t rush off without taking a look at your homeowners or renters insurance policy first. You want to make sure that your equipment has the proper coverage.

Many homeowners policies offer basic coverage for theft, fire and a limited number of other causes of damage to personal property, but high-value sports equipment might require a special addition to your homeowners or renters policy, such as an endorsement or a personal property floater. Your Trusted Choice® Independent Insurance Agent can help you determine if your policy needs to be enhanced to gain full coverage for your skis, boots, poles, helmets, boot bag, ski bag, goggles and whatever other items you love to take with you. If your things are stolen from a lodge, an airport, or simply a ski park you’re visiting for a day, you will want the fullest coverage possible.

With a properly written policy, your coverage will travel with you anywhere in the United States. If you plan to travel abroad, check your policy’s terms. Often, Canada is included, but it’s better to be safe than sorry.

If you own a place in the mountains and store your ski equipment there instead of hauling it from home, you definitely need to talk to your Trusted Choice® agent about your coverage, since policies for secondary residences may be more restrictive than those for primary homes. Ask about personal property or contents coverage for your vacation home to make sure the things you keep stored there are adequately insured.

With the right policy terms, your investment in quality ski equipment can be protected while traveling to the slopes as well as après-ski events.