What Is Considered a Toy Vehicle for Insurance?

Toy vehicles are motor vehicles used primarily for recreation rather than everyday transportation. They often represent a sizable investment and carry risks that require specific insurance coverage.

What Is Toy Vehicle Insurance?

Toy vehicle insurance refers to coverage for recreational vehicles like boats, RVs, ATVs and more. While the name may vary depending on the type of vehicle, the purpose remains the same: helping you manage costs resulting from accidents, damage or liability.

These policies often include features similar to standard auto insurance, such as:

• Liability coverage for third-party injuries or property damage
• Collision coverage for damage from accidents
• Comprehensive coverage for non-collision incidents like theft or severe weather

What Vehicles Can Be Covered?

Depending on your vehicle and preferences, you may be able to choose from several types of toy vehicle insurance, including the following:

• Camper insurance
• Travel trailer insurance
• ATV insurance
• Jet ski insurance
• Motorhome/RV insurance
• Snowmobile insurance
• Golf cart insurance

How Much Does a Policy Cost?

Rates for toy vehicle insurance hinge on multiple factors. Insurers often consider the vehicle’s type, model and custom features. The insured’s driving history, age and location may also impact premiums.

Secure a Policy Today

Bacon Insurance understands the specific risks of toy vehicle owners in Jacksonville, FL. Our insurance professionals can recommend appropriate coverage and help build your custom policy. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.