Insuring Summer Toys: Motorcycles, ATVs, Boats, and RVs
The Truth About Insuring Your Summer Toys (That No One’s Told You Because They’re Afraid You’ll Wake Up)
You finally did it.
You got the boat. The RV. The motorcycle. The ATV. Maybe even all of them.
You’ve got the toys. You’ve got the freedom. You’ve got the wind in your hair and the open road (or lake or trail) in front of you.
But let me ask you something real quick…
Did you insure them like you give a damn?
I don’t mean the little checkbox you clicked at the dealership to “add protection.”
I don’t mean the half-baked “I think it’s covered under my homeowners” fantasy.
And I sure as hell don’t mean hoping your buddy’s insurance will cover it because you lent him the Jet Ski and he “said he was careful.”
Let me be blunt:
If you didn’t specifically, intentionally, and intelligently INSURE your summer toys, you’re not playing the game like a grown adult.
You're playing it like a teenage stuntman with a death wish… and a maxed-out credit card.
Why Most People Screw This Up
Because most people THINK their toys are covered.
“I got full coverage.”
Yeah? On what? On your car? That doesn’t mean squat when your buddy rams your boat into the dock because you forgot to add liability.
“I think my RV is part of my homeowners.”
Wrong again. Most homeowners policies exclude recreational vehicles the moment they leave your driveway.
Let me say this clearly so there’s no confusion:
If it moves, floats, flies, or flips over—IT NEEDS ITS OWN INSURANCE POLICY.
What You Need (That Your Agent Might Be Too Lazy To Tell You)
Let’s go through the list:
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BOATS & JET SKIS – You need liability, property, AND uninsured boater protection. You don’t want to pay for someone else’s stupid, and you definitely don’t want to go bankrupt over a broken propeller and some stitches.
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RVs & CAMPERS – Whether you’re pulling it or driving it, you need RV insurance. That means collision, personal property (because it’s your second home now), and coverage for when some drunk guy backs into it at a KOA in the middle of Arkansas.
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MOTORCYCLES – If you’re riding without medical payments coverage, you’re betting your hospital bills won’t outpace your pride. Pro tip: they will.
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ATVs & UTVs – These bad boys are accident magnets. If you let your cousin ride it on your land and he breaks an ankle—guess who they’re suing? (Hint: It’s not Yamaha.)
Here’s The Deal…
You bought these toys because you love freedom, right?
Then don’t let a stupid mistake, a gap in coverage, or one uninsured idiot take that freedom away.
Insure smart. Cover everything. Review every year.
And if your current agent hasn’t talked to you about this stuff, maybe it’s time to get one who’s not asleep at the wheel.
I can help you set it all up. No BS, no fluff, no “I think you’re fine.”
Just real coverage that actually protects what you worked hard to buy.
Ready to protect your summer freedom?
📞 Call me today at 972-420-7962 or shoot me a DM. Let’s get you covered the right way—before something stupid happens.
Because the only thing worse than wrecking your toy...
is finding out you still have to pay for it.