Tenants here frequently own more equipment than furniture. A personal watercraft, a paddleboard and a trailer are not what a standard contents limit was imagined for.
Motorized watercraft are generally excluded from renters cover. Unmotorized equipment is usually contents.
Three things about insuring equipment rather than furniture.
A personal watercraft or a boat is generally excluded from renters cover for both damage and liability, in the same way a car is. It needs its own policy. Tenants frequently hold a renters policy and a jet ski and assume one covers the other.
Paddleboards, kayaks and wetsuits are usually personal property, covered subject to your limit and deductible, and potentially under a sporting goods cap. The total value of this equipment in a Havasu household is frequently higher than the furniture.
Equipment kept in a shared carport, a storage unit or on a trailer is away from the dwelling in policy terms, which can mean a reduced limit. Knowing where things live matters as much as knowing what they cost.
Equipment first, furniture second.
If so, it needs a separate policy rather than an assumption.
Usually more than tenants estimate.
Off-premises storage carries a reduced limit.
Tell us what equipment you own, what is motorized and where it is kept.
We separate the toys that need their own policy from the ones that do not.
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