Motorized Toys – How to Insure Them

Insurance for Motorized Toys 

If you enjoy the fun and adventure of driving a four-wheeler, jet ski, or motorcycle, you know how thrilling it can be. You may also wonder if you need “toy insurance”—insurance for these vehicles. If you live in the Lansing, IA, area and you need insurance for a power toy such as that, we encourage you to visit us at Kerndt Brothers Insurance Agency.

Motorized toys can include water sports devices like boats or jet skis, as well as land vehicles like motorcycles or ATVs. Although their owners buy these “toys” to provide opportunities for adventure and exploration, those activities can also increase the risk of damage.

Customized Coverage for Power Toys 

Our agents can answer all your questions and will work with you to find the right customized power toy insurance for your needs. 
Insurance policies for these motorized “toys” are much like auto insurance. The policies for these motorized toys include liability coverage, which would protect you if you are declared at fault for damages to someone else’s motorized toy. 

If you or one of your passengers is injured in an accident, your policy would cover medical expenses. If you are responsible for the accident, damage to your power toy is reimbursed by the collision coverage on your policy. If the device caused non-vehicle damage, your comprehensive coverage is used. 

Call Us Today for an Appointment 

Protect your time with these vehicles by purchasing the right insurance policy. Residents of the Lansing, IA, area looking for insurance for their power toys are invited to talk with any of our experienced agents at Kerndt Brothers Insurance Agency. Call us for an appointment today so we can help you protect your next adventure.