Rodents—from squirrels to mice—can pose a threat to your house or car. By nesting near or in your home and car, rodents can damage your property over time. They can gnaw wires, insulation and anything else they can chew. If this happens … do you know how your insurance policies will respond?

Snowmobiles. Typically, a snowmobile is not covered by a homeowners, renters, or auto policy if it is used, or transported off your property. A snowmobile policy offers you collision, comprehensive, and accessory coverage. It also will help you pay your medical bills if you are injured, and bodily injury liability and property damage liability if you injure others or their property.

Boat stored on your property during winter. Depending on the value of your boat (typically over $2,000), your homeowners insurance policy probably won’t cover it if you store it on your property during the winter. A watercraft insurance policy is probably your best bet, which may have lay-up provisions for winter storage.

Possessions left in your car. Most auto policies won’t pay to replace items that are inside your car if it is stolen. However, these items may be covered by your homeowners policy. If you need to keep a lot of expensive items in your car, give our agency a call.

Jacuzzis. Generally, Jacuzzis are covered by your homeowners policy and offer liability protection if a guest is injured in or around the tub.

High-value items. Items like jewelry, furs, gold, and firearms, and many items of a unique or special value have very limited coverage under a standard homeowners policy, which may make additional insurance advisable.