Ski Equipment Insurance Ontario

Ski Equipment Insurance for Ontario Sports Enthusiasts

One of the best things about living in Ontario is all the opportunities to get out and explore a magical winter wonderland in the cold months. As soon as the snow flies, Ontario ski enthusiasts are dusting off their skis and making plans to hit the slopes as soon as possible. Whether you’re heading straight for the black diamond runs or sticking with the safety of the bunny hill, it makes sense to consider protecting your skis and accessories with Ontario ski equipment insurance.

What is Ski Equipment Insurance?

Ontario ski equipment insurance protects you from the sting of property loss if your pair of skis or other parts of your equipment is broken or lost due to factors such as theft or another type of insured loss.

If you challenge yourself to take on a new trail that you’ve never done before and end up in a pile at the bottom of the hill with a broken ski, or you leave your brand-new pair of skis outside while you’re getting a hot chocolate and someone walks off with them, it can turn your entire vacation into a disaster. With the right Ontario ski equipment insurance from the experienced brokers at Morison Insurance, your insurance company will cover the repair or replacement cost up to your policy limit in the event of physical damage, theft or other insured losses. When your gear is protected by ski equipment insurance, it enables you to get back out there as soon as possible and continue doing what you love without worrying that something will happen to your skis.

Who Should Have Ski Equipment Insurance?

Anyone who owns skis and enjoys using them should consider getting Ontario ski equipment insurance. Whether you can’t wait to jump on the ski lift every weekend in the winter or you like to head out a couple of times when the powder is particularly fresh and inviting, it’s nice to know you don’t have to worry about all the things that could wrong to cause your skis to go missing or be rendered unusable.

Why Do I Need Ski Equipment Insurance?

While there may be some sports you can do just about anywhere with nothing more than yourself, skiing is not one of those sports. Without skis, poles and the right gear, you’ll be stuck in the lodge watching everyone else have fun while you overheat in the hot tub. On the other hand, if you spent a good chunk of money on your equipment, you might be afraid to use it because you don’t have the funds to replace it if it does suffer damage. Ontario ski equipment insurance alleviates those concerns by making sure your personal property is repaired or replaced so you never have to miss out on the joy of cutting tracks through freshly-fallen snow.

No matter how careful and cautious you are, there’s simply no way to avoid every possible mishap, accident or disaster that can befall you over the course of your life—and trying to avoid everything that could go wrong would squeeze all the fun and spontaneity out of life. As the old saying goes, “no risk, no reward”—sometimes you just have to make that leap and brave that risk to get the most of your time. With the best Ontario ski equipment insurance coverage from Morison Insurance, you can challenge yourself and take risks without having to worry that you and your budget will suffer if it doesn’t pan out exactly as you expected.

What is Covered By Ski Equipment Insurance in Ontario?

Ontario ski equipment insurance is generally pretty straightforward. There are two categories of coverage: one applies to your actual ski equipment, such as skis and poles, and the other applies to accessories and apparel that are needed for skiing.

Ski Equipment Insurance: Ski Equipment Coverage

As the name suggests, this coverage is the part of Ontario ski equipment insurance that applies directly to your sports equipment, including skis, ski poles and ski boots. The specific types of damage or incidents that are covered on your ski equipment insurance will vary according to how your insurance policy is written. But generally speaking, it covers the cost of repairs or replacement with an item of similar value, in the event that your equipment is vandalized or stolen.

Ski Equipment Insurance: Accessories and Apparel Coverage

The other part of Ontario ski equipment insurance is additional coverage designed to protect the personal effects that are required for skiing. That could include high-value accessories and apparel such as goggles, helmets, gloves, jackets and ski pants. Just like coverage for your sports equipment, if your accessories or apparel are affected by theft or other types of an insured loss, your insurer will provide funds to cover repair or replacement up to the coverage limit listed on your policy.

If you’re just wearing your cousin’s old hand-me-downs or found an amazing deal on some inexpensive gear, you don’t have a lot invested in the purchase cost of your accessories and apparel and there’s not much need to cover those items under your Ontario ski equipment insurance. But if you have high-value, great-quality items that you intend to get a lot of use out of over time, it’s well worth it to include coverage for your accessories and apparel on your ski equipment insurance.

Is Ski Equipment Insurance Automatically Included with Home Insurance?

Ontario ski equipment insurance is generally considered to be part of the contents coverage on a standard home insurance or tenant insurance policy, so the answer is yes—to an extent. The limits on your homeowner’s insurance policy are likely not going to be enough to cover the cost of replacing damaged or stolen equipment with a new item of similar value, so you’ll be stuck choosing a lower-quality, lower-price replacement or paying out-of-pocket to cover the difference if you rely solely on the contents coverage that comes with your home insurance.

For a competitive rate, you can increase the limits for ski equipment insurance on your homeowner’s policy or get a standalone Ontario ski equipment insurance policy. Which route is best for you will depend on a number of factors such as your existing coverage and the cost of your equipment. It’s worth noting that you may be able to score multi-policy discounts by bundling your coverages together in a package from a single insurance company. If you’re not sure which course of action will get you the best Ontario ski equipment coverage for the best rate, speak with an experienced broker at Morison Insurance. Once we know more about your unique insurance needs, we can find the perfect coverage to ensure your equipment—and your fun—is financially protected if something goes wrong.

Also, make sure to update or begin a home inventory list and include your ski equipment. This document will help prove you had your equipment incase they are destroyed or stolen.

Is There an Age Requirement to Use Insured Ski Equipment?

No, there’s no age limit. Anyone who is old enough to strap on a pair of skis and hit the slopes can use insured ski equipment as the equipment itself is covered by your Ontario ski equipment insurance. If you have contents coverage under your home insurance, the equipment can be used by anyone in your household. If it’s a standalone policy, the same rules should apply—but if you’re not sure, it’s worth double-checking with your broker so you have the peace of mind that comes with complete ski equipment insurance coverage.

What is Not Covered by Ski Equipment Insurance?

When it comes to ski equipment insurance, Ontario coverage is going to vary depending on your insurance company and the way your policy is worded. In general, don’t expect normal wear and tear damage that accumulates over time to be covered by your ski equipment insurance. Naturally, damage that you, the policyholder, inflicts intentionally is also not covered. When you speak with a Morison Insurance broker, we’ll go over your policy in-depth with you and explain exactly what is and isn’t covered by your Ontario ski equipment insurance so you have a complete understanding of how and when you are protected against financial loss.

What Information Do I Need to Provide to Get Ski Equipment Insurance?

Your Morison Insurance broker will ask you a few basic questions to get to the bottom of what exactly you need and want from your Ontario ski equipment insurance coverage, and to help us determine what the best options are to get you that coverage. In order to accomplish that, we will need information such as:

• The make, model and value of your ski equipment, accessories and apparel
• Where you live
• Whether your equipment was new or pre-owned when you purchased it
• Whether you participate in competitive events with your ski equipment
• When your coverage should begin
• Your past claims history

When we know more about your specific circumstances, we can craft a unique coverage package for your Ontario ski equipment insurance that will let you rest easy knowing nothing can keep you away from the slopes for long.

What Other Types of Equipment Can Be Insured with Sports Equipment Coverage?

Ontario ski equipment insurance is one variety of sports equipment coverage, but your skis are certainly not the only type of recreational sports equipment that can be protected by insurance coverage. It’s well worth considering additional coverage for a wide range of sports equipment, including but not limited to:

• Bicycles
• Snowboards
• Kayaks and canoes
• Surfboards and paddleboards
• Windsurfers
• Golf clubs
• Ice skates

Remember, it’s not just the actual sports equipment that may need coverage. Most of the items listed above require you to have complementary gear or equipment in order to stay safe and participate in the sport as intended. High-value accessories and apparel can be included on your ski equipment insurance or snowboard equipment insurance policy as well, and it’s a good idea to do so since losing those items can be just as devastating as losing your skis.

Where Can I Get a Quote for Ski Equipment Insurance?

It’s easy to get a quote for Ontario ski equipment insurance—just call 1-800-463-8074 to speak with a licensed broker at Morison Insurance. Our award-winning team has the experience and skill to find you the best possible coverage at the right price to ensure you are protected against financial loss.

As a family-owned business, we take our duty to serve our local communities very seriously. The team at Morison Insurance strives to make every customer feel like a member of our extended family with friendly, experienced service that goes the extra mile to ensure your complete satisfaction. Give us a call today to find out more about what we can do for you—we look forward to the opportunity to find the perfect combination of coverage to keep you and your finances safe and secure from a wide range of possible perils.