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Riding four-wheelers, jet skis, trikes, boats, and motorcycles create great memories. If you own one or several of them, you may be wondering whether these huge and savory investments require some form of insurance to protect you from financial loss in case of accidents. The truth is, they also need a type of insurance known as toy insurance.
What is toy insurance?
Toy insurance is a type of policy that protects recreational and motorized toys such as boats, ATVs, and RVs. Like you already figured, these are costly investments that require insurance in case of theft, vandalism, or damage.
What does toy insurance cover?
To protect what you value the most, you want to ensure that all the risks are considered and well-covered. Depending on what you own and the value of your toy, it is crucial to speak to a Fuhriman Insurance Agency agent to find out which coverages will be essential for your case.
Toy insurance covers the following:
- Collision coverage
- Property damage Liability
- Bodily injury liability
- comprehensive coverage
- Uninsured and underinsured motorist
Do you need toy insurance?
A very big yes! No one is really safe from accidents everywhere in Boise ID. Your toy is also vulnerable to fire accidents, vandalism, damage from elements, natural disasters, and theft. The last thing you want is to lose your precious luxury companion to a fire hazard. Remember, this is a considerable investment that you cannot afford to replace immediately if it is damaged or lost. However, you have an excellent option of securing it with toy insurance. Toy insurance gives you the peace of mind you need, whether your toy is in storage or out and about.
Every asset requires a form of insurance, particularly if it is a valuable asset. If you are still unsure which coverages will work best for you, Fuhriman Insurance Agency can help you make a decision. Feel free to contact us or visit us at our Boise, ID offices.