Today we’re talking a little bit about some possible holes in your insurance coverage. Do you know if your vehicular “toys” are covered?
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Are your “toys” covered under your homeowner’s insurance property?
There is conflicting information out there on whether or not certain recreational vehicles are covered under your homeowners insurance. The policy states that any motorized vehicle isn’t covered under your policy, so things like ATVs, snowmobiles, golf carts, etc., only have liability coverage when they are on your property.
When they aren’t, there is no liability coverage or coverage on the item themselves. If you want them covered, you will need to add that coverage to your policy.
These “toys” only have liability coverage when they are on your property.
If you have any questions or have some toys that you want to get covered on your policy, don’t hesitate to reach out and give us a call or send us an email. We look forward to hearing from you soon.