2/5/2013 11:25 PM

Winter Activities and Insurance

Millions of people participate in winter activities every year.  It’s a good idea to review all of your health, accident, and life insurance you have in place.

Winter Sports 

Before taking a run down a slope, be sure to check out your homeowners policy and health insurance so you know what to do in case of an accident.  Ski equipment should be covered up to a specific limit by a homeowner or renters policy.  If you are an avid snowmobiler and are worried about personal or property liability, you will need a separate snowmobile insurance policy since this isn’t covered through homeowners or auto.

If you are planning a family or group trip, you may be able to get a policy that includes coverage for children under 18 if they are traveling with a parent.  Most policies provide coverage when you are traveling within your region but some limit the extent of coverage outside your home area or for high-risk activities.  Group travel rates are sometimes available for groups of 10 or more.  Travel insurance can cover anything from lost luggage to delays or cancellations.

Snow Removal
If you have a plow on your truck and volunteer to remove snow on your friend’s driveway, your auto policy should cover any property damage and liability but be sure to read through the policy before offering to help.  If you are seeking to make extra money by removing snow, your auto insurance policy will not likely provide coverage.


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