insurebcsquamish

Protecting High-Value Gear and Outdoor Equipment: What Homeowners Need to Know

Admin Team

17 Nov 2025 — 1 min read

Living in Squamish means owning gear—good gear. Whether it’s mountain bikes, ski equipment, climbing gear, specialty tools, or handcrafted art from local makers, many households here have valuable items that aren’t fully covered under standard home insurance.

Why Your Gear Might Not Be Fully Covered

Home insurance includes contents coverage, but it also has special limits on certain categories. These limits can be quite low and are often not aligned with the value of equipment that Squamish residents typically own.

Common Local Items That Need Extra Protection

High-end mountain bikes
Backcountry ski setups
Specialized tools and power equipment
Custom artwork or carvings
Collectibles and vintage items

A single piece of equipment can easily exceed a policy’s default limit, especially for sports gear and bikes.

What Squamish Homeowners Should Do

Instead of relying on the base limits, consider listing valuable items individually. This ensures they’re covered for their true replacement value—especially important for outdoor equipment that may be damaged or stolen.

How InsureBC Squamish Supports You

We understand the lifestyle here, and we routinely help homeowners protect gear that wouldn’t be fully insured under a standard policy. A quick review of your coverage can prevent financial surprises down the road.

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