Home Simulator Insurance

Your homeowners policy was not written for a $50,000 launch monitor.

Most homeowners policies cap electronics coverage between $1,500 and $5,000. Your launch monitor alone probably costs more than that. We cover the full simulator build — equipment, build-out, and the liability that comes with friends hitting balls in your basement.

Quote My Home Sim → See What's Covered

The Coverage Gap

What a typical homeowners policy actually pays on a $48K simulator build:

Total simulator build value $48,000

Typical electronics sublimit ~ $2,500

Your out-of-pocket exposure $45,500

With our coverage $0 above deductible

Numbers are illustrative based on common HO-3 policy sublimits. Actual coverage varies by carrier and policy. Get a quote for specifics on your situation.

Who This Is For

Built for the way home simulators actually get used.

Whether you've spent $15,000 on a starter setup in the garage or $150,000 on a dedicated sim room with a Trackman iO and full enclosure, the coverage gap is the same. We close it.

Garage Builds

Most common setup. Concrete floors, retractable screens, dual-purpose space. Often the most exposed to equipment damage.

Basement Studios

Dedicated builds with finished walls, drop ceilings, and proper electrical. Higher build-out value, water damage exposure.

Outbuildings & Sheds

Detached garage, pole barn, or purpose-built shed. Often outside primary homeowners coverage entirely.

High-Value Premium Builds

Tour-grade equipment ($75K+), professional installation, dedicated sim room. Standard policies fall apart fast.

What's Covered

Three types of coverage, one program.

We don't carve up coverage so you have to call three different places to file a claim. Equipment, build-out, and liability all sit under the same policy.

Coverage One

Simulator Equipment

Replacement-cost coverage on the launch monitor, projector, screen, computer, hitting mat, enclosure, and any peripherals. No surprise sublimits, no actual cash value depreciation hits.

Trackman, Foresight, Uneekor, SkyTrak, Garmin, Mevo+, and others
Short-throw projectors and 4K displays
Impact screens and retractable enclosures
Simulator PCs and AV equipment
Hitting mats and turf

Coverage Two

Build-Out & Improvements

The drywall, electrical, flooring, lighting, and HVAC work that turned a garage into a simulator room. Often more valuable than the equipment itself, and almost never properly covered by homeowners.

Finished walls, ceiling work, and lighting installations
Acoustic treatment and soundproofing
Dedicated electrical circuits and HVAC
Custom enclosure and stall construction
Flooring, padding, and stance platforms

Coverage Three

Personal Liability

When friends, family, and neighbors come over to hit balls, accidents happen. A flying club, a slip on the mat, a guest tripping over a launch monitor cable. Liability coverage scaled to actual indoor golf risk.

Bodily injury to guests in the simulator
Property damage from clubs or balls
Medical payments coverage
Coverage for swing lessons given to friends
Coordinated with your existing umbrella policy

Optional

Add-Ons When You Need Them

Some home setups have specific exposures that warrant additional coverage. We offer these as optional add-ons rather than baking them into a one-size-fits-all package.

Equipment breakdown (HVAC, electrical failure)
Power surge and lightning damage
Mobile/transportable equipment coverage
Loss of use during equipment replacement
Identity theft and cyber for connected systems

Real Scenarios

What this coverage actually does when something goes wrong.

These are the kinds of claims home simulator owners file. Standard policies often cover none of them. Names and amounts illustrative.

Equipment Damage

The dropped projector

A ceiling-mounted short-throw projector comes loose during a swing impact and falls. Lens shattered, internals damaged. Total loss on a $4,200 unit.

Replacement cost paid: $4,200 Standard HO policy would cap this around $1,500 with depreciation.

Water Damage

The basement flood

Sump pump fails during a heavy rain, two inches of water in the basement sim room. Launch monitor on the floor, hitting mat, simulator PC tower — all lost.

Replacement cost paid: $18,400 Plus the build-out replacement that homeowners often excludes.

Liability

The guest injury

A friend visiting for league night gets hit in the face by a ricocheting ball that bounces back off the screen frame. Dental work and stitches required.

Medical & liability paid: $14,200 Homeowners liability often disputes "business or hobby" claims like this.

Theft

The garage break-in

Detached garage broken into overnight. Trackman iO and simulator PC stolen. Homeowners covered the structure but pushed back on the equipment.

Replacement cost paid: $22,000 Most HO policies have $1,500–$2,500 sublimits on theft of electronics.

Fire / Smoke

The electrical fire

Faulty extension cord supplying the simulator PC overheats overnight. Smoke damage throughout the basement sim room. Equipment salvageable but the build-out is destroyed.

Build-out rebuild paid: $31,500 Specialty coverage handles the full restoration of the sim space.

Power Surge

The lightning strike

Strike to a nearby utility pole sends a surge through the home. Simulator PC, projector, and launch monitor all fried. Whole-home surge protection didn't catch it.

Replacement cost paid: $12,800 With electronics surge endorsement included in the policy.

Common Questions

What home simulator owners actually ask us.

Questions we hear most often during the quote process. If yours isn't here, ask when you submit a quote — we read every note.

Doesn't my homeowners policy already cover this?

Probably not in any meaningful way. Standard HO-3 policies typically cap electronics at $1,500–$5,000, often apply actual cash value (depreciated) instead of replacement cost, and frequently dispute claims that look "business-related" — which a serious simulator setup often does. We've seen carriers categorize a $40K home sim as a "business pursuit" and deny everything. A specialty policy is built for this from day one.

Do I need this if I never have anyone over to hit?

The equipment coverage matters even if you're the only one who ever uses it. The liability piece is what changes based on usage. If it's truly only you, basic liability is enough. If friends, family, neighbors, or league members hit there, the liability coverage matters substantially.

What about my umbrella policy?

Umbrella policies sit on top of underlying coverage — they don't fix the gaps in homeowners coverage, they extend the limits. If your homeowners denies a simulator-related claim, your umbrella usually denies too. We coordinate our liability coverage with your existing umbrella so you're not paying twice for the same protection.

How much does this typically cost?

For a typical home simulator build in the $25,000–$75,000 range, annual premiums usually run $400–$1,400 depending on equipment value, location, build type, and liability limits chosen. Premium home builds with $150K+ equipment values run higher. We typically come back with real numbers tied to your specific setup within 10–14 days of receiving your application.

Do I need a separate policy or can this go on my existing one?

It's a separate, specialty policy that sits alongside your homeowners. This is intentional — it means a simulator claim doesn't affect your homeowners loss history, and the coverage is underwritten by a carrier that actually understands sim equipment. Some clients work with us through their existing agent who places the specialty piece with us; others come direct.

What if I move or expand the sim?

Coverage moves with the equipment when you relocate, with notice to us. Expansions (adding bays, upgrading equipment, adding a room) just require a coverage adjustment when it happens. We'd rather know about a $20K equipment upgrade in the middle of a policy term than at renewal.

Is this available in my state?

CMN is currently licensed in 17+ states across the country. The state list is on our quote form — if your state isn't there, drop us a note anyway. We're actively expanding and may have an underwriter who can write your situation as a one-off.