Whether you're eagerly planning days spent boating, jet skiing, ATVing, or RVing, or hitting the open road on two wheels, having the right insurance coverage is crucial for your peace of mind as you make the most of the season.

Why Insuring Your Summer Toys is Essential

Unpredictable Weather

Mother Nature can throw unexpected curveballs like severe storms, floods, or hail. Insurance acts as a protective shield to ensure you're covered no matter the summer weather.

Vulnerability to Theft and Vandalism

Theft, vandalism, and accidents can happen at any time. Adequate insurance coverage guarantees a stress-free summer.

Home Insurance Exclusions

Most home insurance policies exclude motorized vehicles. Specialized policies are required to ensure comprehensive protection.

Financing Obligations

If you finance or lease any of these items, maintaining insurance is often a requirement, even if specific states don’t require it.

Vehicle-Specific Guidance

Motorcycles

Home and auto policies typically don’t cover motorcycles. You'll need a specialized motorcycle policy, with premiums based on factors like your bike type and driving record.

ATVs

ATV insurance offers similar coverage options to motorcycle insurance, with potential savings for installing safety features.

Boats

Consider an actual cash value policy for affordability. Smaller watercraft may be covered under your homeowner's policy. One more note: Because a high percentage of boats are stolen while being stored on trailers, you need a safe and secure location for your boat when it’s not in the water.

RVs

Different types of RVs require varying insurance coverage. Your premiums may be influenced by how you use your RV, whether for full-time living or occasional recreation.

If you're interested in more information or know someone who recently purchased one of these vehicles, please know we are here to help. Feel free to reach out anytime or share our information with others in your network.

Contact Our Business today to ensure your summer toys are properly protected and enjoy your adventures with complete peace of mind!