Does Toy Insurance Cover Collectible Items?

When you hear “toy insurance,” your mind might stir up images of stuffed bears, barbies, little metal cars, and action figures. Although some insurance policies may cover these sentimental items if they have enough value financially as antiques, most toy insurance providers refer to recreational toys in their policies.

In serving the Huntington, TX community at Integra Insurance Services, we have found that the Lonestar State’s long stretches of land and bodies of water make it the perfect place to have a wide range of grown-up recreational “toys” such as four-wheelers, boats, golf carts, and more. 

What is toy insurance?

Toy insurance, also known as “recreational toy insurance,” is a type of insurance policy that covers certain kinds of “toys” for adults rather than kids. Examples of toys covered by toy insurance include motorcycles, mopeds, golf carts, ski jets, and four-wheelers. These vehicles are designed to bring their users pleasure and enjoyment instead of function, so they are considered recreational toys.

Can a policy cover collectibles?

If you collect recreational toys such as four-wheelers, boats, antique vehicles, and mopeds, you should be able to cover your collection of toys under a toy insurance policy. For those whose collectibles consist of smaller childhood toys like dolls or art toys like collector’s vinyl figurines, a recreational toy insurance policy will probably not be the right fit. 

If you have high-value collectibles, you may be able to insure them under another policy, such as a homeowner’s policy, if they’re stored at home. We recommend speaking with an agent about your specific toys and needs to see if a toy insurance policy is right for you. Call Integra Insurance Services in Huntington, TX today for a free quote!