It’s that time of year again. Sun’s out, lake’s calling, and the garage is opening up to let out the boats, campers, jet skis, and ATVs. But here’s the question nobody thinks about until it’s too late: Are those seasonal vehicles actually insured?
“I Thought It Was Covered…”
We hear this a lot. Someone uncovers their boat or pulls the camper into the driveway and assumes it’s still protected. But in reality? Maybe not.
If you canceled your coverage over the winter—or used layup coverage—it’s crucial to turn it back on before hitting the water or trails. That layup protection? It only applies when your gear is off the road and properly stored.
What About Homeowners Coverage?
Sure, your homeowner’s policy might offer minimal protection, especially for small boats or items used only on your property. But once you take that fun off your land, coverage drops fast. If your watercraft is motorized, leaves your property, or you’re going beyond the dock? It probably needs its own policy.
Time for a Quick Check
Before you hit the lake or campgrounds, talk with your local independent agent. A quick conversation could save you a huge headache (and a lot of money) later. Enjoy your adventures. Just make sure you’re truly covered.
