How is West Hartford, CT, different from Florida? For starters, you experience real seasons up north. That means that some of your favorite toys might regularly see multi-month spans of disuse. Those are the times that have you wondering if you really need to keep them insured throughout the year. That’s a great question, so let the experience of AllConnecticut Insurance shed some light on the situation.
How Off Is the Off Season?
There are plenty of instances where seasonal coverage will save you money on your annual premiums, but you need to be sure that the off season is reliably filled with down time. Here’s the question: how often are you tempted to take the boat out during the cold months? If the answer isn’t a resounding zero, then seasonal coverage might not be your best option. Conversely, there are situations where the off season is reliable. You aren’t going to be taking the snowmobile for a spin in the middle of the summer, right?
The other simple consideration for seasonal coverage is how long the off season actually lasts. Since these things usually revolve around weather, you want to have some wiggle room in your policy to extend coverage for an abnormally long cold or hot session.
Does it Go in Storage?
This is another important consideration. If your boat stays on a dock all winter but is still exposed to the elements, you don’t want to completely kill your storage. The same can be said for a toy that sits outside under a tarp. There are still elements of risk there. If your toy has a clear off season but doesn’t get put in protective custody, there’s a third option to try and save a little money.
Most people overlook it, but many toy policies include room for you to toggle your deductible. A higher deductible in the off season can lower your overall premiums without leaving you completely uninsured against the unthinkable.
In the end, your toy coverage necessities boil down to personal preference and lifestyle choices. That’s why your best bet is to go ahead and have a nice conversation with your AllConnecticut Insurance representative. They’ll help you plan around all of the West Hartford, CT, seasons to get a good deal.