What’s sports equipment insurance?
Sports equipment insurance is part of what we call Personal Property Plus insurance. It helps protect your home gym equipment and sports gear beyond what a homeowners or renters policy covers. Plus, there’s no deductible.
How it works
You can cover a single item for up to $2,500 or multiple items in a collection for up to $10,000. We call this a blanket policy. If you insure a collection, the policy won’t pay more than $2,500 for a single item.
Blanket policies are easy to get because you don’t have to describe your items or provide proof of ownership up front.
What’s covered?
Here are some common things we usually protect:
-
Baseball bats
-
Bowling balls
-
Fishing poles and waders
-
Golf clubs and accessories
-
Guns and bows
-
Rollerblades and protective gear
-
Skis and snowboards
-
Stationary exercise bikes
-
Tennis rackets
-
Treadmills
-
Weights
Is insurance for sports equipment worth it?
If you know you'd replace something if it's lost, stolen or damaged, sports equipment coverage may be a smart move.
This Personal Property Plus policy doesn't have a deductible and is inexpensive compared to the cost of replacing valuable gear.
To get a quote overseas, call one of our .
European phone numbers
Azores: 00-800-531-81110
Belgium: 0800-817-59
France: 00-800-531-81110
Germany: 0800-724-4196
Greece: 00-800-11-005-4316
Italy: 800-971-707
Netherlands: 00-800-531-81110
Portugal: 00-800-531-81110
Spain: 900-813-479
United Kingdom: 0800-289-192
How much does sports equipment insurance cost?
It depends on how much coverage you want. Our rates to insure sports equipment on a Personal Property Plus policy start as low as $75 per year.
What else can Personal Property Plus protect?
You’ve got other important belongings, so let’s get them covered too. Here’s what else you can protect:
- Bicycles
- Items you take on deployment
- Jewelry and smartwatches
- Technology
- Cameras
- Guns and bows
- Musical instruments
Sports equipment insurance FAQ
Most homeowners and renters policies cover sports equipment, but there are often limitations.
You may pay a deductible as part of your homeowners or renters policy. For example: If you have a $2,000 elliptical machine and a $3,000 homeowners deductible, you'd have to pay out of pocket to repair or replace it. With a Personal Property Plus policy, there's no deductible.
Personal Property Plus insurance may help cover your gear if you accidentally drop it, break it or lose it. A homeowners or renters policy won't.
Here are some examples of items that aren't covered by a Personal Property Plus sports equipment policy:
- Cameras
- Electronic sports and gaming items
- Everyday eyewear
- Fitness and athletic wear
- Nonstationary bicycles and e-bikes
- Scooters
- Sports memorabilia
It also won’t cover mechanical breakdowns, or damage that’s intentional or caused by normal wear and tear.
If there’s a loss, sports equipment coverage for guns and bows on a blanket Personal Property Plus policy will only pay up to $2,500 per item.
If you want to insure a more expensive firearm, you can get a scheduled Personal Property Plus policy. It helps make sure you have enough coverage.
With a scheduled policy, you’ll need to give us a detailed description of your item and tell us what it would cost to replace it.
High-value guns and bows may need a receipt, an appraisal or other documentation to show proof of ownership and value.