Learn more about California's new minimum auto insurance requirements.
TOY HAULER INSURANCE
See the coverage options available for all your most valuable assets
Protecting Your Dedicated Garage For Your Outdoor “Toys”
A toy hauler alone is an expensive investment, and when you consider the value of the dirt bikes, snowmobiles, ATVs, motorcycles or boats inside, you know how important it is to have high-quality toy hauler insurance coverage.
Basic Coverages
Toy Hauler Insurance guards against theft and fire. Keep in mind that a basic Toy Hauler Insurance policy may only cover the loss of the toy hauler and not the contents within. You may need to buy additional coverages for contents.
Additional Coverages
If you want extra protection or to insure everything inside your toy hauler, you can buy Contents coverage, Total Loss Replacement and Agreed Value coverage.
Understanding Toy Hauler Insurance
Your toy hauler allows you to bring all your favorite things with you wherever you go, but with travel comes risk. Your toy hauler and the contents within may face natural elements, fire, vandals, thieves and more.
Don’t put your financial stability at risk by not protecting your toys with the proper Toy Hauler Insurance policy and additional Contents coverage. It’s essential to cater your policy to fit your needs so you can haul your beloved toys without worry.
What Are My Toy Hauler Insurance Coverage Options?
This protection covers physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.
This type of coverage pays for damage or destruction, including loss of use of a Third Party's property. Reduction in value is the measure of property damage.
Collision coverage pays for damages upon impact with another vehicle, object or person outside the vehicle, and the upset (overturning) of such vehicle. This protection is often subject to a deductible.
Comprehensive coverage pays for direct and accidental damage to the insured's vehicle other than that caused by a collision. All losses not specifically excluded are covered and such coverage is usually subject to a deductible.
This is a good coverage to have for the items within the toy hauler if the whole unit is damaged. Without this add-on, a basic toy hauler policy may only cover the actual toy hauler.
This coverage replaces total losses with the latest model (new-for-old) or, if not available, a comparable model.
In the event of a total loss, our expanded Agreed Value coverage pays you the amount originally spent for the toy hauler or the appraised value, with no deduction for depreciation and no deductible.
AIS Is Here To Help You Haul Toys
AIS Insurance Specialists will find you a policy that matches your budget without compromising on the protection your toy hauler and its contents need. With many top insurance partners, we can find you the best combination of price and protection in a Toy Hauler Insurance policy. You may even qualify for a discount when you bundle two or more insurance products with us.
Our agents are here to find every price break available, so call us today at (800) 449-8943 or provide some basic information online for free a quote.
Additional RV Insurance Coverages to Bundle
Wouldn’t it be great to save money insuring your motorhome, travel trailer, or other outdoor vehicle and all of its assets under one roof? AIS is the insurance house that finds affordable coverage for a wide variety of products. We compare the best rates from multiple trusted carrier partners, so you know you’re getting the best protection for the best price.
Related RV Articles From Our Blog
5 Questions to Ask Before You Buy RV Insurance
As you begin your search for the right RV Insurance policy, it's important to ask these 5 questions to make sure your coverage fits your lifestyle and needs.
Why Do I Need ATV Insurance Coverage?
You may not be legally required to carry ATV Insurance, but you should still carry some coverage so that you’re financially protected in the event of an accident or mishap.
Free Boondocking Destinations For Your RV
Immerse yourself in the great outdoors in one of these boondocking locations with no amenities except those provided by your motorhome, camper or trailer.
California Snowmobile Laws & Safety Tips
It’s essential to have things like your registration and insurance squared away before hitting the snow. You may also want to take a snowmobile safety course for extra precaution.