Protect Your Toys: Why Insurance Isn’t Just for Cars and Home

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When you think of insurance, your mind probably goes straight to cars, homes, or maybe health coverage. But what about your toys? We’re talking about the fun stuff—your boat, motorcycle, RV, ATV, jet ski, or even that classic car you’ve been restoring in the garage. These high-value recreational vehicles bring a lot of enjoyment, but they also come with risks that can cost you if you’re not properly insured.

Why You Need “Toy Insurance”

Your standard homeowners or auto policy may not fully cover these types of vehicles, especially when used off your property or on public roads or waterways. Specialized toy insurance ensures your investment is protected against:

  • Accidents and liability
    Whether you’re riding a jet ski or taking your RV on a road trip, accidents can happen. Without the right coverage, you could be on the hook for medical bills or property damage
  • Theft and vandalism
    ATVs and motorcycles are prime targets for theft. Insurance can help cover the cost of replacement if the worst happens.
  • Natural disasters and weather damage
    Boats, RVs, and campers are often stored outdoors, making them vulnerable to hail, wind, and other weather-related damage.
  • Uninsured riders or drivers
    If you’re involved in an accident caused by someone who doesn’t have insurance—or enough of it—you could be stuck with the bill unless your policy includes uninsured/underinsured motorist coverage.

What Types of Toys Can Be Insured?

If it moves, floats, or roars, there’s a good chance you can insure it. Here are a few examples:

  • Boats and personal watercraft (jet skis)
  • Motorcycles and dirt bikes
  • ATVs and UTVs
  • RVs, campers, and trailers
  • Classic and collectible cars
  • Golf carts
  • Dune buggies

What Coverage Options Are Available?

Policies can be customized depending on how and where you use your toys. Here are some of the typical coverages to consider:

  • Liability Coverage: For bodily injury or property damage you cause.
  • Collision and Comprehensive: For damage to your toy—whether it’s from a crash or a storm.
  • Uninsured/Underinsured Motorist: For protection if you’re hit by someone without adequate coverage.
  • Towing and Roadside Assistance: Especially helpful for RVs and motorcycles.
  • Accessory and Equipment Coverage: Covers upgrades like custom paint, GPS, sound systems, or specialized trailers.

Peace of Mind, All Year Long

Even if you only use your recreational vehicles seasonally, insurance is still essential. Damage or theft can happen at any time of year, and canceling your coverage in the off-season can leave you exposed to loss.

Ready to Protect Your Toys?

At the Kiesling Insurance Agency, we make it easy to find the right protection for your recreational vehicles. Whether it’s cruising on the lake or exploring off-road trails, you deserve to enjoy your toys with peace of mind.

📞 Call us today at 469-447-5500

📍 Proudly serving Little Elm, Aubrey, and surrounding North Texas communities.