When we say toys, what we really mean are those items you keep purely for fun! Even as adults. It could be a motorcycle, an ATV, a boat, or even an RV. But, with the help of our amazing insurance partners, we can work with you to insure them all. No matter how frequently—or infrequently—you use this equipment, let’s make sure you have the right protection in place.
Motorcycle & ATV Insurance
Both motorcycles and ATVs can be a lot of fun to play with, especially during the summer. But before you take them out on the road—or trails—ask us about your insurance. At Freedom Insurance Agency, we work with multiple providers. But for these particular toys, Erie Insurance actually offers great coverage at affordable rates.
Depending on your current policy, you may just be able to add your all-terrain vehicle, or ATV, to your auto insurance and enjoy many of the same benefits. From bodily injury coverage to property damage protection. For motorcycles, you can get even more insurance through a newly revamped endorsement. It now includes provisions for your safety equipment, medical bills, and even roadside assistance for longer trips! If you like to work on your bike(s), we might also be able to add a special rider to help cover the cost of customized parts and repairs! Just be sure anyone driving has a valid driver’s license.
Cover Your Camper or Trailer
Planning any exciting summer vacations? Then you’re going to need the right plan before you take your camper, RV, or trailer into traffic. Did you know that a nonmotorized camper that can be towed behind your vehicle or trailer may already have some protection under your homeowners’ insurance? Since it’s contains your personal property and is your personal property, some damages will be covered. However, there are definitely limits in place to consider.
Fortunately, you can extend additional coverage to these oversized toys under your auto insurance. Not only will this protect your out-of-pocket costs for damages to the camper, trailer, or RV, but then you can take it a step further. With liability coverage, accident protection, and even options to help with repairs caused by hail damage and/or vandalism.
Boat Insurance is Something Else
If you have your own boat, first we want to say congratulations! This toy is definitely in its own class, with its own specific insurance needs. To help you find the right coverage, we’ll want to know a bit more about the vessel—including its age, type, and estimated value. Again, there may be some coverage for watercraft in your homeowners’ insurance policy. But in comparison with the cost of boating expenses and repairs, these limits are going to be very low. Often, we recommend that boat owners look for a standalone plan to cover this particular type of equipment.
These policies also work on other recreational watercraft, including jet skis, motorized wakeboards, and houseboats. Just let your insurance agent know about all your toys, so he/she can help you make a plan for full protection. At Freedom Insurance Agency, we partner with reputable companies like Erie Insurance to cover what matters most to you. Call us today for a free quote on adding your ATV, trailer, etc. and enjoy using your equipment all summer long!