Your home insurance or tenant insurance provider will include Ontario snowboard equipment insurance as part of the contents coverage on your homeowners' policy. So in that sense, your snowboard and gear probably are covered by your home insurance. But it's unlikely the standard coverage limits would be adequate to reimburse you for the full cost of a replacement with a new item of similar value. You could recoup a portion of the cost, but you would be forced to pay the difference out of pocket or choose a lower-quality item that is less costly than the insured equipment was.
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What is Snowboard Equipment Insurance?
Ontario snowboard equipment insurance is a type of personal insurance that offers insurance coverage for your snowboard and related gear up to the coverage limits listed on your policy. If your snowboard equipment suffers an insured loss, your insurance company will provide funds to repair or replace it with a new one.
Imagine you try a new jump and land too hard at the wrong angle, cracking your board right down the middle. Or, you unstrap your board at the bottom of the hill so you can warm up by the fire pit, and someone snatches it while your back is turned for two minutes. Without Ontario snowboard equipment insurance coverage, you would be out the cost of your stolen or unusable equipment with no way to get back on the slopes any time soon. But with the right coverage, you can relax and enjoy yourself without worrying about putting your gear out of commission.
Who Needs Snowboard Equipment Insurance?
Anyone who owns a high-value snowboard and gear should ensure it is covered by Ontario snowboard equipment insurance. Maybe you love cruising the backcountry, or you're the type who would instead stick to shredding the beginner slopes. Either way, it's a really good feeling to be free from worrying about what would happen if your equipment was seriously damaged or stolen from you.
Why Is It a Good Idea to Get Snowboard Equipment Insurance?
Whether you're taking off on a mini snowboarding holiday at every possible opportunity or just like meeting up with friends and family on the slopes for an annual snow vacation, investing in some basic Ontario snowboard equipment insurance is a good idea. Accidents happen regardless of how cautious you are and how carefully you follow every last rule. And, sometimes, a disaster occurs that is entirely beyond your control.
If you're involved in a mountain-top accident that leaves your board broken beyond repair, your biggest concern at the moment might be how you're going to get back down the hill. But once you arrive back at the lodge, you'll be thinking about how you can get your board replaced—they don't necessarily come cheap, and not everyone can just stroll over to the nearest ski shop and purchase a new one without hurting their budget.
Snowboarding trips should be about fun, excitement, athleticism and fresh air. But if you're scared your board will get banged up on the slopes or taken away from you if you let it out of your sight for a second, it's impossible to fully enjoy yourself and make the most of your vacation time. Trust the experienced brokers at Morison Insurance to find the best coverage at the right price. Our dedicated team knows where to look to find the ideal options to suit your unique Ontario snowboard equipment insurance needs.
Is snowboard equipment insurance automatically included with my home insurance?
Snowboard equipment is generally covered as part of your home or tenant insurance contents coverage, but the standard limits are usually insufficient. You can increase the limits on your home policy with a rider, or purchase a standalone snowboard equipment policy.
What is the difference between adding a rider to my home policy and a standalone snowboard equipment policy?
A rider increases the contents coverage limits on your existing home or tenant insurance policy. A standalone snowboard equipment policy is a separate dedicated policy, and may qualify for a multi-policy discount when bundled with your home or auto insurance.
Does my snowboard equipment insurance cover me outside Ontario or Canada?
Suppose it is a part of your contents coverage on your home insurance policy. In that case, it will generally extend to locations outside Ontario and Canada so you can enjoy snowboarding in other provinces or countries. A standalone policy will usually apply out of the country. Still, either way, you should talk to your Morison Insurance broker before you leave on your trip to make sure your Ontario snowboard equipment insurance fully covers your gear.
What information will I need to provide to get a quote?
What is not covered by snowboard equipment insurance?
For snowboard equipment insurance, Ontario residents will find coverage can vary somewhat based on the insurance company and how the policy is written. As is typically the case with sports equipment insurance, wear and tear damage that slowly accumulates over time with normal use is not covered. In addition, it stands to reason that damage intentionally inflicted by the policyholder is also not covered. When you speak with a Morison Insurance broker, we'll explain exactly what is and isn't covered by your Ontario snowboard equipment insurance so you have the information you need to make informed decisions about the best way to protect yourself and live the lifestyle that appeals to you.
