Sports Equipment Insurance

Help protect your stuff with a Personal Property Plus policy so you can play hard and worry less.

This coverage is only available in Wisconsin and select European countries. To get a quote overseas, call one of our .

Get a quote for sports equipment insurance

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, golf gear and other things 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.‍ ‍^{See note 1}

What’s covered?

Here are some common things we usually protect:

Baseball bats
Bowling balls
Camping gear
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

Claims covered by sports equipment insurance

Sports equipment insurance could pay to repair or replace your covered items. Here are some examples of common claims.‍ ‍^{See note 2}

Theft

Someone breaks into your car and steals your new golf bag from the trunk.

Drops or breaks

You catch a big fish that causes your pole to snap in half.

Lost or misplaced items

Your kid can’t seem to find their gear after their last game.

Why choose us

No deductible

That’s right: there really is no deductible. This means you don’t have to pay anything extra when you make a claim.

Replacement cost coverage‍ ‍^{See note 3}

Your policy covers your things at their current value with no depreciation. If your stuff gets damaged, we'll pay to repair or replace it with another item similar in quality and value.

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 .

Get a quote for sports equipment insurance

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.‍ ‍^{See note 4}

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

Learn more about Personal Property Plus

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:

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.

Guard your game with the right coverage.

To get a quote overseas, call one of our .

Get a quote for sports equipment insurance

Sports equipment insurance

What’s sports equipment insurance?

What’s covered?