Toy insurance is a specific type of coverage designed for vehicles that aren’t cars, boats, or recreational vehicles. It covers a wide range of vehicles often used for leisure activities, such as golf carts. Agents at The Select Insurance Agency can help you determine if you need this type of insurance.
Vehicles Covered by Toy Insurance
Toy insurance covers a broad range of vehicles, including, but not limited to:
- Jet skis
- Snowmobiles
- All-terrain vehicles, like four-wheelers
- Golf carts
- Some motorcycles
Some policies also cover recreational vehicles and campers, but this depends on your policy and the insurance company you work with. Boats and other large items may be covered under toy insurance in Coppell, TX. However, toy insurance usually offers lower coverage, so people with boats, motorcycles, and RVs prefer specialized vehicle insurance.
Benefits Of Texas Toy Insurance
Toy insurance remains popular even if it’s not legally required because it helps protect your assets. Owners can file claims if their property is stolen or damaged. Many policies offer coverage for things like theft, damage from natural disasters, and can help if there’s an accident.
Toy insurance policies have varying levels of coverage, just like auto insurance. Owners can get basic liability coverage, which is crucial if the vehicle is driven on the road. In many jurisdictions, owners are required to have liability insurance for any vehicle driven on the road, including snowmobiles, ATVs, and golf carts. You can face harsh penalties if you drive them without proper coverage.
Toy insurance can help protect you so you aren’t stuck with a financial loss if something happens to your new toy. It can also help you meet legal requirements. The agents at The Select Insurance Agency can help you determine if toy insurance will meet your needs. Contact us today for more information. We’re currently serving the Coppell, TX area.
