If you’re like most toy owners, you probably think recreational insurance is all about using the boat, RV or ATV. But in reality, some of the biggest exposures show up when nothing fun is happening at all. At Western Insurance Associates, serving Spokane, WA, we see how storage and transportation create risks most owners don’t even know about.

Where You Store It Matters More Than You Think

Where you store your toy isn’t just a question of convenience; it affects your insurance. Equipment kept at a private residence, shared facility, marina, or remote property faces different levels of exposure. Location alone affects access and how losses are evaluated.

And it gets even more complicated when recreational equipment is stored away from your home, which is quite common around Spokane, WA. Storage yards, secondary properties, and shared facilities introduce variables that don’t exist when your toy is parked in your own garage attached to the home you’re living in. Many owners don’t even realize their exposure is changing when they decide to move their equipment off-site.

Transportation Isn’t a Neutral

Transportation is often the other blind spot. Trailering, loading, unloading, and roadside stops introduce risks that don’t exist during normal use. What surprises many owners, though, is how unclear responsibility can become when equipment is moved, especially when using borrowed or hired transportation.

If you’re using a friend’s truck or a third party helps move your equipment, assumptions about whose insurance applies can break down pretty quickly. 

The Misconception That Ties It All Together

Here’s the part most people don’t expect: Many recreational losses happen when the equipment or vehicle isn’t being used. 

That’s why Western Insurance Associates focuses less on weekend use and more on where equipment lives and how it gets there.

If you own recreational equipment in or around Spokane, WA, contact us to discuss how to best protect your recreational toys based on your situation.