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If you and your family own recreational toys, then you have probably asked yourself if they need to have insurance on them. Riding four wheelers, campers, and jet skis make for great memories but there is no better feeling than enjoying your recreational vehicles and knowing that if something breaks or an accident happens, that the insurance will have it covered. There are different types of insurance coverage to choose from depending on the type of vehicle you own, and here is a quick look at a few types of coverage you can get.
Please note that not all policies will be the same from one insurance carrier to the next. This is why it is so important that you speak with a qualified insurance agent to make sure you are investing in a policy that has you properly covered.
Liability- Property Damage and Bodily Injury
This coverage is great for off-roading and boating. Accidents happen both on and off-road and with liability coverage, you can rest assured that financial help will be given to pay for any damage or injuries that may be caused by you.
Collision
In an event that you are hit by another boat or ATV, or you hit an obstacle like a tree, this coverage will pay for any damage to your toy vehicle.
Comprehensive
Collision covers your recreational vehicle from accident damage, whereas comprehensive covers damage from non-collision damage like vandalism, weather, theft, and fire.
Recreational toys are designed to be driven fast and accidents do happen, this is why it is important to get coverage. If you would like to learn more about recreational toy insurance and the different types of policies offered in Boise, ID, please contact the Fuhriman Insurance Agency today.