There's nothing quite like flying down the slopes on a snowboard, breathing in crisp, cold, alpine air and skimming over a pristine layer of fresh powder. By the time you reach the bottom of the run, all you can think about is getting back up to the top to do it all over again. Your snowboard and the gear that goes along with it are your ticket to experience that exhilaration over and over again on snowboarding adventures all winter long—but certain perils could bring your cold weather fun grinding to a sudden halt.
You can't go snowboarding without a snowboard, so if your recreational investment is stolen or rendered unusable, it represents both a disappointing financial loss and the loss of your ability to enjoy all that Ontario's winters have to offer. You don't have to take that risk if you have the right Ontario snowboard equipment insurance to help you recover the cost of repair or replacement for your snowboard and snowboarding gear.
Ontario snowboard equipment insurance is a type of personal insurance that offers insurance coverage for your snowboard and related gear up to the coverage limits listed on your policy. If your snowboard equipment suffers an insured loss, your insurance company will provide funds to repair or replace it with a new one.
Imagine you try a new jump and land too hard at the wrong angle, cracking your board right down the middle. Or, you unstrap your board at the bottom of the hill so you can warm up by the fire pit, and someone snatches it while your back is turned for two minutes. Without Ontario snowboard equipment insurance coverage, you would be out the cost of your stolen or unusable equipment with no way to get back on the slopes any time soon. But with the right coverage, you can relax and enjoy yourself without worrying about putting your gear out of commission.
Anyone who owns a high-value snowboard and gear should ensure it is covered by Ontario snowboard equipment insurance. Maybe you love cruising the backcountry, or you're the type who would instead stick to shredding the beginner slopes. Either way, it's a really good feeling to be free from worrying about what would happen if your equipment was seriously damaged or stolen from you.
Whether you're taking off on a mini snowboarding holiday at every possible opportunity or just like meeting up with friends and family on the slopes for an annual snow vacation, investing in some basic Ontario snowboard equipment insurance is a good idea. Accidents happen regardless of how cautious you are and how carefully you follow every last rule. And, sometimes, a disaster occurs that is entirely beyond your control.
If you're involved in a mountain-top accident that leaves your board broken beyond repair, your biggest concern at the moment might be how you're going to get back down the hill. But once you arrive back at the lodge, you'll be thinking about how you can get your board replaced—they don't necessarily come cheap, and not everyone can just stroll over to the nearest ski shop and purchase a new one without hurting their budget.
Snowboarding trips should be about fun, excitement, athleticism and fresh air. But if you're scared your board will get banged up on the slopes or taken away from you if you let it out of your sight for a second, it's impossible to fully enjoy yourself and make the most of your vacation time. Trust the experienced brokers at Morison Insurance to find the best coverage at the right price. Our dedicated team knows where to look to find the ideal options to suit your unique Ontario snowboard equipment insurance needs.
Ontario snowboard equipment insurance is relatively simple compared to other types of insurance. There are two categories of coverage: one applies to your snowboard and bindings, and the other applies to personal equipment such as apparel and safety gear needed for snowboarding.
This coverage applies to your snowboarding equipment—the bindings and the board itself. Which types of damage or damaging incidents are covered on your Ontario snowboard equipment insurance will vary depending on your insurance company and how your policy is set up. But in general, it will cover the cost of repairs or replacement with an item of similar value if your equipment is vandalized or stolen.
The other consideration for Ontario snowboard equipment insurance is protecting you against financial loss if your accessories or apparel are damaged. This additional coverage for loss helps you avoid paying out of pocket to repair or replace damaged snowboard gear, including high-value apparel such as your gloves, jacket, snowboard boots and snow pants, along with protective gear such as goggles, helmets, knee pads and more. Just like coverage for your board, accessories or apparel, coverage will apply to repair or replacement costs in the event of theft or other types of an insured loss, up to the coverage limit listed on your policy.
If you bought your gear pre-owned or opted for an inexpensive option that's good enough to get you out on the mountain, it may not be worth it to get accessories and apparel coverage for it. But if you spent more than around $100 on any given piece of gear, you might as well insure it for a competitive rate as part of your Ontario snowboard equipment insurance.
Understanding all the aspects of your insurance coverage is not necessarily a simple task, and Ontario snowboard equipment insurance is no exception. Wondering if snowboard equipment insurance coverage is the best move for your household? You probably have a few questions, and you can get them answered quickly and easily by calling 1-800-463-8074 to speak with the knowledgeable brokers at Morison Insurance. You can also find our replies to a few common questions about Ontario snowboard equipment insurance below.
The answer is a solid "maybe." In most cases, your home insurance provider will include Ontario snowboard equipment insurance as part of the contents coverage on your homeowners' policy. So in that sense, your snowboard and gear probably are covered by your home insurance. But it's unlikely the standard coverage limits would be adequate to reimburse you for the full cost of a replacement with a new item of similar value. You could recoup a portion of the cost, but you would be forced to pay the difference out of pocket or choose a lower-quality item that is less costly than the insured equipment was.
There are multiple options available for Ontario snowboard equipment insurance coverage. You may choose to increase the limits for snowboard equipment insurance on your home insurance policy or opt for a standalone sports equipment insurance policy. The best course of action in your particular case depends on several factors, such as the cost of your equipment and what you currently have in place for homeowners coverage. You may be able to get a small discount by bundling multiple policies from the same insurance provider because there would not be a standalone surcharge. If you don't know which option is preferable for your unique circumstances, speak with an experienced broker at Morison Insurance to get the best Ontario snowboard equipment insurance for the right price. Once we know more about your insurance needs, we will seek out and recommend the ideal options to ensure you are financially covered for the perils that are most likely to befall you.
Also, make sure to start or update your home inventory list to include your snowboard equipment. This is to ensure you will have funds to replace the items in the event they are destroyed or stolen.
For snowboard equipment insurance, Ontario residents will find coverage can vary somewhat based on the insurance company and how the policy is written. As is typically the case with sports equipment insurance, wear and tear damage that slowly accumulates over time with normal use is not covered. In addition, it stands to reason that damage intentionally inflicted by the policyholder is also not covered. When you speak with a Morison Insurance broker, we'll explain exactly what is and isn't covered by your Ontario snowboard equipment insurance so you have the information you need to make informed decisions about the best way to protect yourself and live the lifestyle that appeals to you.
Suppose it is a part of your contents coverage on your home insurance policy. In that case, it will generally extend to locations outside Ontario and Canada so you can enjoy snowboarding in other provinces or countries. A standalone policy will usually apply out of the country. Still, either way, you should talk to your Morison Insurance broker before you leave on your trip to make sure your Ontario snowboard equipment insurance fully covers your gear.
When you contact Morison Insurance about Ontario snowboard equipment insurance, a broker will ask you a few basic questions about your equipment, lifestyle, past and current coverage and other information that will help us determine where and how to get you the best possible coverage. Some of the information we will request is:
When we know more about your specific circumstances, we will track down the ideal options for your Ontario snowboard equipment insurance so you can have the peace of mind that comes with knowing nothing can keep you away from the slopes for long.
Ontario snowboard equipment insurance is one type of sports equipment insurance, but you need coverage for your other recreational sports equipment too. From bicycles to kayaks, that equipment represents a large financial investment—you want to be able to get your money's worth by enjoying it for many years to come. It's well worth considering additional coverage for a wide range of sports equipment, such as:
Most of the stuff listed above requires complementary gear such as apparel and accessories that can be high-value as well. High-value accessories and apparel can be included on your Ontario snowboard equipment insurance or ski equipment insurance policy.
Get a competitive quote for the Ontario snowboard equipment insurance you need by calling Morison Insurance at 1-800-463-8074. 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.
This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.