05/21/2026
Your home gym might not be covered the way you think 🏋️
A standard homeowners policy often covers sports equipment, but the limits vary widely, and most people have never actually checked theirs.
If you've built up a serious setup, there are four things worth verifying with your insurance carrier before something goes wrong.
Personal property limits are usually set as a default percentage of your home's value. That number might not stretch far enough to cover your equipment AND everything else you own.
There's also a critical difference between replacement cost value and actual cash value. One pays to replace your gear at today's prices. The other pays what it was worth after depreciation. Those numbers can be very different.
And if you're training clients or running any kind of business out of your home gym, a standard policy may not cover that at all.
Send this to a fellow home gym owner who needs to hear it. 💪
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