Insure Your “Toys” for Grown Ups

When we speak of “toys” for adults, it is a colloquial way of describing various recreational and sports vehicles that people use mostly to have fun. This category includes things like all-terrain vehicles, boats, dune buggies, golf carts, kayaks, motorbikes, racing bikes, sand rails, snowmobiles, and travel trailers. It also includes personal watercraft, such as jet skis, windsurfing boards, and equipment used for parasailing.

There are so many kinds of toys for adults that fall into this category. Each type needs to have special insurance coverage. Consult with your insurance agent at Integra Insurance Services, serving Huntington, TX and the surrounding area, to get a quote for adequate coverage.

It is important to understand that many insurance policies have exclusions for some of these activities and this needs to be discussed with your agent as well. For example, enjoying extreme sports may invalidate a claim under a life insurance policy as a specific exclusion. Ask your agent to review all of your insurance policies to make sure any conflicts of this type are sorted out.

Other concerns about insurance coverage for toys are making sure they are protected against theft or damage when in transport and while in storage. Additionally, allowing others to use your toys may increase your liability. This is something to discuss with your agent as well.

The key lesson to learn about insuring recreational toys is to make sure your insurance coverage is adequate before going out to use them. In this way, you will avoid the disaster of lacking proper insurance if some unforeseen accident happens.

To get a quote or update your toy insurance, make a list of all of the items that you own. Use the replacement cost of getting a new one, of the exact same type, as the amount of coverage needed for the equipment. Then, add extra insurance protection for any potential damage to the property of others and the liability for injuries or death. Contact your agent at Integra Insurance Services in Huntington, TX for an insurance update and then go out to have some fun.