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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.
Toys insurance protects your recreational vehicles from financial losses due to accidents, theft, weather damage, and liability claims. Standard coverage typically includes:
Covers injury and property damage costs if you’re at fault in an accident.
Pays for repairs or replacement if your vehicle is damaged in a crash.
Protects against theft, vandalism, fire, and natural disasters.
Provides coverage if you’re hit by someone without enough insurance.
Covers custom parts, trailers, and added features for your vehicles.
Provides protection for cruisers, sport bikes, touring motorcycles, and scooters, covering liability, collision, and custom upgrades.
Covers four-wheelers, side-by-sides, and off-road vehicles, ensuring financial protection on trails, private land, and road-legal routes.
Protects your fishing boats, speedboats, sailboats, and jet skis against accidents, storms, and theft, with optional towing and fuel spill coverage.
Comprehensive coverage for motorhomes, travel trailers, and fifth wheels, including protection for personal belongings inside your RV
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.
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.
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.
Yes! Many insurance companies offer discounts when you bundle motorcycle, boat, RV, and auto insurance together. Ask us about multi-policy savings.
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.
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.
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.
Yes! Many policies include medical payments coverage, which helps pay for injuries to passengers or yourself in a boating accident, regardless of fault.