Understanding toy insurance

The words “toy insurance” can be misleading, but the fact of the matter is as one gets older, you still have toys; they just become larger and more expensive and as a result, need insurance coverage. If you live in the Huntington, TX area and are interested in learning more about insuring your recreational toys, reach out to a specialist at  Integra Insurance Services today. 

Toy insurance can cover a wide variety of vehicles both on the water and on the roads. Below is a shortlist of some of the types of toys that you should consider covering. 

  • ATVs
  • Campers 
  • RV’s
  • Golf Carts
  • Dune Buggies
  • Jet Ski 
  • Snowmobile

Although many policies will need to be customized, depending on how often and in which manner you use the vehicle, for most policies, you will want to ensure you have the following basic coverages. 

Bodily Injury and Property damage: By nature of these toys, you will often be using them around large groups of people. Bodily injury coverage will shield you from liability in the event you are at fault and cause a third party injury with the toy. Property coverage will help pay for damages in the event your vehicle damages a third parties property. 

Collision Coverage: Your toy is an asset and can be expensive to repair or replace. Collision coverage will help you repair your toy in the event it is damaged in an accident. You will want to be sure your insurance is for replacement coverage of the toy. 

Comprehensive coverage: This coverage will protect your toy in the event something occurs not related to a crash. The type of events included under comprehensive coverage are fire, theft, and vandalism.

If you are interested in learning more about toy insurance, reach out to Integra Insurance Services. We proudly serve the Huntington, TX area.