What is carried contents coverage?

Optional coverage for personal items carried on or with the powersport vehicle.

Carried contents coverage is an optional insurance provision designed specifically for people who own powersport vehicles such as motorcycles, ATVs, snowmobiles, or personal watercraft. This type of coverage goes beyond the standard insurance that protects the vehicle itself by offering protection for personal belongings that you might carry while using the vehicle. For example, if you have expensive gear like helmets, GPS devices, or even personal items like a smartphone or a backpack that you often take with you when you ride, carried contents coverage can protect these items against damages or theft. Essentially, it gives you peace of mind knowing that your personal belongings won't leave you financially strained if they are damaged or stolen while you're out enjoying your powersport adventures.

Imagine you're planning a weekend ATV trip in the hills. You pack your backpack with some camping gear, a high-quality camera to capture beautiful landscapes, and your smartphone. During a break, you leave your belongings with your ATV while you explore on foot. When you return, you find that your backpack has been stolen. If you have carried contents coverage, your insurance can help cover the cost to replace these stolen items, ensuring that you're not left completely out of pocket for your loss.

When considering insurance for your powersport vehicle, take a moment to evaluate the items you usually take with you on rides. If these personal belongings are valuable or essential, it might be wise to invest in carried contents coverage for added protection. Check with your insurance provider to understand the specifics of what's covered, the limits, and any deductibles involved. This way, you can have a tailored plan that fits your needs and offers peace of mind during your rides.