Are Your Summer Toys Protected?

As the weather heats up, it is finally time to get all your summer toys out of storage and into the water or back on the road. Whether you are slipping your boat into the water, hooking up your fifth wheel or kicking up some dirt on your ATV, having the proper insurance coverage is a necessity.

You must be prepared as an accident with any of these can lead to property damage and a lawsuit. It is wise to check your policies and be sure you are completely covered.

Here are a few tips for insuring your summer toys.

🟣 Motorcycles or ATV/UTV – If you own a motorcycle, your auto and homeowner’s policy provide no coverage.  You must purchase a motorcycle policy or recreational vehicle endorsement.  Motorcycle insurance can dramatically increase in price depending on your driving record and the type of bike you own.

Motorcycle insurance is very similar to auto insurance. It encompasses collision, comprehensive and liability. It is extremely important to carry the proper amount of liability insurance which will cover your financial obligations in accidents and will pay for damage to other property or people.  Lastly, be sure to verify that passengers are covered as they are often excluded.

🟣 Golf Carts – It is a common misconception that Golf Carts are included in their existing insurance policy. However, most homeowner policies offer little coverage for Golf Carts. This holds true especially once the cart leaves your property. There are policies to cover golf carts, such as ATV or Motorcycle coverage. Learning about this unknown coverage can save you in the future. 

🟣 RV Insurance – It is more than a car and it is not quite a house, which is why it can be challenging to find the right coverage for your home on wheels at an affordable rate. Be sure to review your policy in full and find the best insurance to protect your home-sweet-home away from home.

🟣 Boats/Jetski Boat insurance comes in a couple of different varieties. Agreed value, typically more expensive, allows you to set the value of the boat and that is what you will be paid in the event of a total loss. Actual cash value, usually less expensive, factors in depreciation and pay out what the boat is actually worth at the time of the event.


Making sure your summer toys are covered before you head out for the weekend is always a good idea. Talk to us about your summer toys or your summer fun could be very costly!

 To find out more about Summer Toy Coverage, Contact one of our talented Risk Advisors today!


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