There are many fun winter activities to enjoy during the colder months. However, don’t neglect to ensure these fun winter toys to protect you from high costs and headaches.
Snowmobiles
If you have a snowmobile, you need snowmobile insurance to help cover you in case of an accident because snowmobile insurance helps to pay for repairs to your snowmobile if it is damaged in an accident. Ensure your coverage has enough liability to protect you in case someone is injured in the accident and you are liable.
ATVs
If you have an ATV, you’ll want insurance coverage for off-road vehicles. ATV accidents can happen all year round, but the dangerous conditions of snow and ice make winter even more dangerous. Therefore, get insurance to help pay for any damage to your ATV.
Other
If you like to skate, ski or sled, there is no specific insurance for that, but you are protected if you have enough personal possessions coverage on your homeowners insurance. If these items are damaged, your homeowners insurance will cover replacement costs. Getting liability coverage is another good idea. Liability coverage won’t protect your items, but it will protect you in the event you accidently run into someone and injure them.
For more information about insurance in California, contact Thomas Ager at Agers Insurance Services.