At Integra Insurance Services in Huntington, TX, we hold many different insurance policies. One of our popular policies is toy insurance. While you might think of dolls and remote-controlled monster trucks when you think of toys, those aren’t usually the types of items that toy insurance covers.
While all toy insurance policies have their own terms and limits, there are some critical perks to this kind of insurance policy.
What is toy insurance?
As the name implies, toy insurance is used to cover “toys.” For some insurance policies, the “toy” in “toy insurance” refers to actual toys like collectibles, pricey vintage toys, and antique play items.
For other policies, “toys” means something less literal. In these types of policies, you will find that they cover recreational items like jetskis and other grown-up toys that give you enjoyment every time you ride them.
Since regular auto insurance policies don’t tend to cover four-wheelers, jet skis, and other recreational vehicles, toy insurance can be a perfect solution to getting coverage for these vehicles.
Is toy insurance right for me?
While you are the only one who can answer that question, there are some ways to determine whether adding a toy insurance policy to your policies would be a good idea for you. Firstly, if you have a large, expensive collection, toy insurance may be able to cover replacement costs for the items if they are stolen or damaged during a qualifying event. If it is the kind of toy insurance that covers recreational vehicles, it is usually a good idea to get it.
If you think toy insurance might interest you, call our office at Integra Insurance Services in Huntington, TX to learn more about our services.