Accessories are items not offered as standard equipment. On the standard automobile application there is questions about modifications and accessories. These items need to be included at time of application and the insurer updated if added at a later date.

Another example would be a watercraft policy. Often there are accessories and equipment such as water skis, life jackets, first aid kits, oars, and emergency flares for your boat.

Farm equipment often includes attachments and accessories that can be of considerable value. This can be the platform and header on a combine down to a GPS system. You need to inform your agent or broker if you wish to have these items included in the insurance.

Declaring the total value of any item including the accessories is a good way to start a discussion with your agent or broker. You should review your policies and take control of your insurance.