When many people think of toy insurance, they think of the type of insurance policy that will cover collections of toys that are worth some amount of money but there is actually a more common and more widely used form of toy insurance that covers recreational vehicles that many people have purchased. Those types of toys include motorcycles, four-wheelers, all-terrain vehicles, and even boats. If you have invested money in one of these fun toys, you will definitely want to protect your investment by obtaining a toy insurance policy.

What Does It Cover?

For your recreational and fun toys, you can obtain liability coverage in the case of an accident happening. This type of policy will cover not only any bodily injuries sustained by others involved in the accident but also property damage that may be caused by a crash. You can also obtain collision insurance, which means if you hit an object, such as a pole or building, or another vehicle, this policy will cover the damages. A comprehensive policy will replace or repair your toy if it is damaged in a fire, by vandalism, or stolen in a theft incident. This type of policy also covers your boat, ATV, or other toys is it is damaged in a natural disaster, such as a hailstorm or tornado. It is also a good idea to obtain a policy, referred to as an underinsured or uninsured motorist policy, that will cover your toy if it is damaged by another driver who does not have an insurance policy at all or not enough coverage to replace or repair your toy when it is damaged.

The Need For Toy Insurance

You will want to obtain a toy insurance policy to cover the items you hold dear to you and have fun with. You have spent time and money to purchase your toy and you deserve the peace of mind that is provided when you have an insurance policy to cover it.

To create the best toy insurance policy for you and your situation, contact the toy insurance agents at Linda Dugan Insurance in Astoria, OR today for an appointment to set up your policy.

Getting out on the water in Astoria, OR is not exactly difficult. Your proximity makes it nearly impossible not to have some sort of watercraft available, so you can really make the most of your beautiful location. But water can be one of the most dangerous things on the planet if you’re not careful. Linda Dugan Insurance wants you to know more about how you can improve your boat safety long before you set out for an adventure. 

Think It Through 

Boat safety starts with really going through every scenario. From life preservers to escape routes to emergency services, you really need to think about the resources you have and how they can be applied in any given situation. Someone who can’t swim very well may need a very different plan than someone who was a former lifeguard. 

Repetition Works 

In an extreme situation, repetition is the best way to combat panic. The more people are afraid, the more likely they are to forget the plan. Going over the safety plan should be done regularly, ideally to the point where people can do it in their sleep. The more comfortable people feel with each scenario, the more likely it is that they’ll go into autopilot rather than overthinking every possible danger in front of them. 

Boat insurance can’t prevent every dangerous situation in Astoria, OR, but it can go a long way toward restoring your boat after something occurs. With the right help, you can get the repairs you need to keep your boat safe when it’s on the water. If you have questions about boat insurance, call Linda Dugan Insurance today to find out more about what kinds of policies are available to you and your watercraft.