Toy Insurance

What is Toy Insurance?

Insurance for your "toys" includes boats and other watercraft, classic cars, motorcycles, RVs, trailers, AtV's, UTV's and more! 

We understand that having insurance for these items may seem unnecessary. However, accidents happen and they also come out of nowhere. It is best to be protected in case of the worst possible scenario. 

That is why we want to provide these specific lines of coverage for you. 

Boating and Watercraft Insurance 

BOAT INSURANCE: WHAT'S COVERED

Typical coverages should include:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

We also provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat

Classic Car Insurance 

WHAT QUALIFIES AS A CLASSIC OR COLLECTIBLE VEHICLE

Your toy car is classic and collectible, in order to provide proper insurance for it carriers do not treat it as an average vehicle. Below, are some requirements that help define your car as a classic. 

Usage: Specific driving habits while using this car (is it for pleasure or primary driving purposes). 

Storage: Your car should be stored in a safe and secure place.

Regular-Use Vehicles: Your classic / collectible car is not an everyday car. Therefor, you may need additional "regular-use" insurance written under your name. 

Driver Eligibility: Your driving history will be taken in account when seeking this line of insurance.

Motorcycle Insurance 

WHAT ARE YOUR COVERAGE OPTIONS?

There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:

  • Additional liability coverage 
  • Collision 
  • Comprehensive 
  • Roadside assistance
  • Bike accessories
  • Total loss insurance
  • Rental vehicle coverage
  • Trip interruption coverage
  • On-road insurance for off-road vehicles

RV and Trailer Insurance 

OPTIONS FOR YOUR RV INSURANCE POLICY

When you insure your RV, you might want to consider these important options:

  • Insurance for full-time RVers
  • Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
  • Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
  • 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
  • Emergency expense money
  • Total loss coverage
  • RV contents coverage
  • Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.