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It’s important to have a toy insurance policy that you can rely on. The state of Idaho requires you to have liability coverage for property damage and bodily injury on ATVs, RVs, and various other toys. However, there are some optional coverages that you should consider adding to your policy. At Fuhriman Insurance Agency, we can guide you through the ones that will provide you with the best protection in Boise, ID.
Comprehensive Coverage
By adding comprehensive coverage, you protect yourself from things that you cannot control. For example, if your RV gets vandalized when it’s at a campground or your ATV is stolen at a park, you can have the coverage in place to make repairs or replacements as needed.
Collision Coverage
If you collide into anything, you can have the necessary protection. This includes hitting a dock with your sailboat, a railing on your ATV, or even rolling your RV. With this coverage, you can ensure that your vehicle is getting repaired, which is not covered by traditional liability coverage.
Loss of Use Coverage
Adding the loss of use coverage to your policy will make it easier when you get into an accident. If you need to send your toy to a body shop for a few days, you don’t want to be without it, especially if it is your home, such as an RV or a houseboat. Loss of use coverage will reimburse for a rental or for the inconvenience of not having your toy for as long as it is needed. It can end up saving you a significant amount of money when you need to have your toy repaired.
You never know what can happen to your toys, so it’s better to have a policy that you can turn to when there is a problem.
At Fuhriman Insurance Agency, we look forward to helping you build a strong toy insurance policy. Contact us so that you can rely on your policy in Boise, ID throughout the year.