What Types of Vehicles Are Covered Under Toy Insurance Policies?

Safechoice Insurance Agency, serving the greater Rochester, MN area, knows that the term toy insurance policy can be confusing. Most people hear this term and think that this type of policy is designed to cover children’s toys or even collectible toys. However, this term refers to toy vehicles. Here are a few vehicle types that are typically covered under toy insurance policies. 

Off-Road Vehicles

Off-road vehicles are the most common type of vehicle to be covered under toy insurance policies. Toy insurance policies can cover off-road vehicles such as golf carts, ATVs, UTVs, sand buggies, dirt bikes, and snowmobiles. In addition to covering the toy itself, the policy may also cover the trailers or towing equipment you use to transport the various types of toys you have. 

Recreational Vehicles, Trailers, and Pop-Ups

Another type of vehicle typically covered under toy insurance policies is recreational vehicles, trailers, or pop-up campers. The toy insurance policy you may need can vary based on whether your vehicle tows the trailer or pop-up camper or whether the RV has an engine and cab and functions on its own. 


Lastly, many small types of watercraft can be covered under toy insurance policies. This may include boats that are too small or do not meet the requirements for boat insurance, such as kayaks, or personal watercraft, such as jet skis. 

Are you looking to purchase a toy insurance policy in the greater Rochester, MN area? Safechoice Insurance Agency can work with you to ensure that all of your toys have insurance coverage. Reach out to us today to obtain an estimate or begin the process of insuring your toys.