During the long winter months, many people spend their time dreaming of their summer activities. Taking the RV out on the road with the family, riding their ATV down adventurous trails, or cruising their boat on the water. While you are making preparations for these fun activities, don’t forget that your recreational toy insurance is a vital part of enjoying these activities safely. At Safechoice Insurance Agency, serving Rochester, MN, we are here to educate you on these important insurance topics.  

Why You Need Rec Toy Insurance

Recreational vehicles such as RVs, jet skis, boats, bikes, and ATVs can be a whole lot of fun, but they can be dangerous too. In order to operate these vehicles in a safe and responsible way, it is important that owners have proper training and education in operating the vehicle as well as maintaining insurance in case something goes wrong. Even the safest operator can run into trouble. When that happens, your insurance policy is there to keep your out of pocket expenses low.

You have invested in these vehicles and you want to know that if they are damaged or stolen you can repair or replace the vehicle. In addition to this, insurance also protects you in the event that you injure someone else or cause damage to someone else’s property.

What Does Rec Toy Insurance Cover?

Policies can be customized to suit your specific needs, but in general, recreational toy insurance will cover a few different things.

Collison- This protects against loss or damage to the vehicle.

Liability- This protects against the event that your vehicle causes injury or property damage.

Emergency roadside or waterside assistance- This type of coverage kicks in if you have problems with your vehicle while you are out. It can include things such as repairs and towing.

If you would like to learn more about recreational toy insurance, please contact our friendly staff at Safechoice Insurance Agency, serving Rochester, MN today.