Won’t my toys be covered by my homeowners insurance if they’re stored there most of the time?

Coppell, TX is a great place to live if you have toys that you enjoy, like dune buggies, watercraft, golf carts and all-terrain vehicles. At The Select Insurance Agency, we have customers who enjoy all kinds of toys, some which they can only enjoy during the summer months when they have the right weather and the time to enjoy it.

If you’re like a lot of adults, you waited until you could afford the toys you enjoy, and you want to protect them now. But do you need to have a special policy to cover them when you don’t use them year-round? Will your homeowners policy cover them if you keep them stored in your garage most of the time?

What a Homeowners Policy Covers

Your homeowners policy is focused mostly on your home, meaning the structure and property itself. There is also coverage for your belongings inside the home, but there are limitations. For instance, your policy will cover your clothing and appliances, but will likely exclude expensive jewelry and artwork.

The same principle applies to your toys. Unfortunately, if you don’t have a special policy or at least an addition to your homeowners policy that specifically adds on your toys, they will probably not be covered if anything happens to them, or at least not for their full value. Even though they are in storage for most of the winter, they could still be damaged or stolen. 

If you live and play in Coppell, TX and you want to make sure you have the protection you need for your toys, call The Select Insurance Agency today and we can help you find the policy that best suits your needs.