Paddleboarding provides a fun and relaxing way to explore the lakes and rivers around Altoona, PA. However, as with any water activity, there are associated risks. This article examines how your home insurance might come into play in case of damage or liability claims arising from paddleboarding.
Personal Property Coverage: Protecting Your Paddleboard
Most home insurance policies feature personal property coverage, which typically covers personal belongings. In this context, your paddleboard would often be classified as personal property. Personal property coverage might reimburse you for the loss if your paddleboard is damaged or lost due to a covered incident. Covered incidents often include fire, wind, hail, smoke, theft, and similar risks. However, coverage wouldn’t typically extend to damage sustained from hitting rocks.
Moreover, whether or not it is wise to file a claim for a lost or damaged paddleboard will depend on your home insurance’s deductible and the value of the paddleboard. Often, it may not make sense to file a claim for just the paddleboard. However, the claim could include the paddleboard if multiple possessions are damaged or lost.
Liability Coverage: Protecting Against Accidents
Liability coverage is another standard feature of most home insurance policies. This coverage protects you against incidents where you might be held accountable for causing injury or damage. Regarding paddleboarding, the risk of causing serious damage to another watercraft or dock is relatively low. Nevertheless, an accident involving another person on the water could happen, potentially leading to hefty legal costs in case of injury or drowning.
The personal liability coverage in your home insurance may cover on-water accidents resulting in injury or drowning. Our H. Dean Allison Insurance team can help you review your policy’s coverage.
Securing Adequate Insurance for Your Belongings
If you’re in the Altoona, PA area and need help securing insurance for a paddleboard or other personal belongings, contact us at H. Dean Allison Insurance. We are ready to help you ensure optimal coverage for your needs.
