Why It’s Important to Insure Your Toys

Protect Your Fun—and Your Finances

Whether it’s a weekend cruise on your motorcycle, a summer getaway in your RV, or a thrilling ride on your wave runner, these “toys” add excitement and adventure to life. But they’re also valuable assets—and like your home or car, they deserve the right protection.

What Is “Toy” Insurance?

“Toy” insurance refers to coverage for recreational vehicles and equipment such as:

• Motorcycles
• RVs and campers
• Wave runners and jet skis
• ATVs and dirt bikes
• E-bikes and high-end bicycles
• Snowmobiles and more

Each of these comes with unique risks—accidents, theft, natural disasters, and liability claims. Without insurance, any one of those events could leave you paying out of pocket for costly repairs or legal expenses.
What Kind of Coverage Do You Need?

Depending on what you own and how you use it, your insurance needs may vary. Common coverage options include:

Liability Coverage: Helps cover injuries or damage if you’re at fault in an accident.

Comprehensive Coverage: Protects against theft, vandalism, and non-collision events like weather damage.

Collision Coverage: Covers the cost of repairs after an accident, regardless of fault.

Specialized Add-ons: Custom parts, accessories, or roadside assistance may require additional protection.

Why Go Through an Independent Insurance Agent?

At KVIS & Coe Insurance, we work with a wide range of top carriers—like Erie, Travelers, AAA, and Grange—to find the best coverage at the best value. As an independent agency, we tailor insurance to your lifestyle, not the other way around.

Ready to hit the road or water with confidence?

Let us help you protect the things that bring you joy. Contact KVIS & Coe Insurance today for a custom quote.