Before you wax your skis, brush up on winter activities and your insurance
Snow is starting to fall in Washington state's mountains and in some lower elevations. Before you hit the slopes or backcountry, take a moment to consider insurance implications for winter recreation. Snoeshowing at Lake Wenatchee Sno-Park, courtesy Washington State Parks Ski and snowboard equipment Winter sports gear is not cheap, and replacing it in the event of damage or theft can put a crimp in your winter fun. Generally, equipment you own will be covered up to a specific amount by your homeowner or renter policy. Check the limit in your policy and decide if that will be enough to replace damaged or stolen equipment. Remember to factor in your deductible. If you think you need more coverage, ask your insurance agent about a rider that might allow you to increase coverage (and your premium) for specified personal property. Snowmobiles Snowmobiles may be covered under homeowner policies when they are used for maintenance of your insured property. They likely aren’t c...