We’ve all got plans for the holidays and winter season: trips to take, winter activities to try, and the everyday to-do lists that don’t stop just because the cold weather has arrived. But difficult conditions have a way of causing plans to go awry or causing damage that we just didn’t expect. Here are some of the extra insurance protections you should consider purchasing this season, in case things don’t go exactly the way you planned.
Snowmobile insurance: Getting out on your snowmobile is one of the highlights of the winter season, but it can be dangerous. You should always wear protective gear and follow laws and guidelines regarding speed and safety. Some states require snowmobilers to be registered, have a trail permit, carry insurance, or all three. But even if it’s not required, snowmobile insurance is always a smart idea. Much like automobile insurance, snowmobile insurance will protect you from liability or damage to your vehicle in the event of an accident, or if your sled is damaged due to other covered perils.
Winter sports insurance: If you’re planning to travel for winter recreation such as skiing or snowboarding, winter sports insurance might be right for you. Whether you’re taking a single family trip to a ski resort or multiple trips to get your winter sports fix, you’ll be glad you have winter sports insurance if anything goes wrong. This type of policy can cover damaged equipment, lost or stolen ski passes, and even medical emergencies.
Travel insurance: Travel insurance is a good idea no matter what the season, but winter travel insurance can be especially helpful when the weather can be unpredictable and cause so many obstacles. Depending on the policy you go with, travel insurance may cover emergency medical events, cancelled flights, and lost or stolen luggage.
Winter car insurance: There are two reasons you might want to look into additional coverage for your car during the wintertime. One, if you live in an area that gets extreme weather, it’s not a bad idea to add comprehensive and collision coverage to your policy if you don’t already have it. If you slide off the road or if somebody else hits your car, you’ll be covered. Two, if you have a car that goes into storage for the winter, you might also consider adding comprehensive coverage. This will kick in if any damage occurs to the vehicle as a result of fire, theft, etc. Remember, if you decide to let your liability coverage go while your summer ride is in storage, you shouldn’t drive it under any circumstances.
Winter homeowner’s insurance: Make sure your home is winterized and in good shape before the cold weather hits. The other thing you should do is to double check your homeowner’s insurance policy to make sure you understand which winter hazards are and are not covered, and what other exclusions apply. For example, your policy may cover damage caused by frozen pipes, but not if you failed to maintain them properly. In addition, you may have to purchase additional coverage for damage caused by hail, wind or other winter weather hazards.