Toy Insurance
Protect Your Fun with the Right Insurance
Your motorcycle, boat, ATV, or RV isn’t just a vehicle—it’s an investment in adventure and freedom. Whether you’re cruising Kentucky’s scenic roads, exploring off-road trails, or enjoying weekends on the water, you need the right insurance to keep your toys protected.

At our company, we help riders, boaters, and outdoor enthusiasts across Kentucky find affordable, reliable insurance for their recreational vehicles. Our policies ensure you’re covered against accidents, theft, and unexpected damage, so you can enjoy every ride worry-free.
What Does Toys Insurance Cover?
Toys insurance protects your recreational vehicles from financial losses due to accidents, theft, weather damage, and liability claims. Standard coverage typically includes:
Liability Coverage
Covers injury and property damage costs if you’re at fault in an accident.
Collision Coverage
Pays for repairs or replacement if your vehicle is damaged in a crash.
Comprehensive Coverage
Protects against theft, vandalism, fire, and natural disasters.
Uninsured/Underinsured Motorist
Provides coverage if you’re hit by someone without enough insurance.
Accessory & Equipment Coverage
Covers custom parts, trailers, and added features for your vehicles.
Types of Toys Insurance We Offer
Motorcycle Insurance
Provides protection for cruisers, sport bikes, touring motorcycles, and scooters, covering liability, collision, and custom upgrades.
ATV & UTV Insurance
Covers four-wheelers, side-by-sides, and off-road vehicles, ensuring financial protection on trails, private land, and road-legal routes.
Boat & Jet Ski Insurance
Protects your fishing boats, speedboats, sailboats, and jet skis against accidents, storms, and theft, with optional towing and fuel spill coverage.
RV & Camper Insurance
Comprehensive coverage for motorhomes, travel trailers, and fifth wheels, including protection for personal belongings inside your RV
Common Questions About Toys Insurance
Do I need insurance for my motorcycle, ATV, or boat?
Yes, in most cases, motorcycles must be insured in Kentucky just like cars. While ATVs and boats may not require insurance by law, having a policy ensures financial protection against accidents, theft, and damage. If you finance your vehicle, your lender may require coverage.
Does my home or auto insurance cover my recreational vehicles?
No, most home and auto policies do not provide full coverage for motorcycles, ATVs, boats, or RVs. Specialized toys insurance ensures you have comprehensive protection tailored to your vehicle’s unique risks.
What factors affect the cost of toys insurance?
Your driving history, vehicle type, usage, location, and coverage limits all impact insurance costs. A high-powered sport bike will have a different rate than a small fishing boat. We help find the best policy at the most affordable price.
Can I bundle toys insurance with my auto or home policy?
Yes! Many insurance companies offer discounts when you bundle motorcycle, boat, RV, and auto insurance together. Ask us about multi-policy savings.
Does toys insurance cover theft or vandalism?
Yes, comprehensive coverage protects against theft, vandalism, fire, and weather damage. If your boat is stolen from a dock or your ATV is vandalized in storage, your policy can help cover the loss.
Do I need full coverage for my recreational vehicle?
Full coverage includes liability, collision, and comprehensive protection, which is recommended if you finance or own an expensive vehicle. If you have an older ATV or motorcycle, liability-only may be a cost-effective option.
Is my ATV or snowmobile covered if I ride on public trails?
Yes, but only if your policy includes off-road liability coverage. Some trails in Kentucky require insurance and registration, so it’s important to check local laws.
Does boat insurance cover passengers and injuries?
Yes! Many policies include medical payments coverage, which helps pay for injuries to passengers or yourself in a boating accident, regardless of fault.
