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Motor Toys Insurance Insurance

Motor Toys Insurance Insurance

While vehicles like ATVs, boats, and motorcycles may seem like grown-up toys to their owners, they should be insured like other motor vehicles. Your homeowner or auto insurance policies don’t cover these vehicles by default. You may, however, legally be required to insure them, especially if riding on public roadways or in state, national, and public parks.

Motor toys insurance covers you for a variety of incidents and emergencies, including liability:

  • Collision with another vehicle, a pedestrian, or someone’s property
  • Lawsuits for accidents or injuries while you’re driving your vehicle
  • Bodily injury or loss of life
  • Theft
  • Vandalism
  • Damage from fire or certain natural occurrences
  • Cost of repairs or replacement
  • Uninsured or underinsured watercraft or motor vehicle drivers
  • Fuel spills and wreckage
  • Personal effects on your boat
  • Unattached equipment
  • Emergency assistance, including roadside help, towing, fuel, and loaned boat batteries
  • Medical expenses for you and others
  • Custom motorcycle parts and equipment
  • Guest passenger liability
  • Umbrella insurance for extra coverage

What kinds of vehicles are typically covered by this type of insurance?

  • Motorcycles
  • Boats
  • Jet skis
  • All-terrain vehicles (ATVs)
  • Dune buggies
  • Dirt bikes
  • Snowmobiles
  • Golf carts

At Hometown Insurance Agency of Utah, we cover many motorsports enthusiasts in Logan. Our independent insurance agents can build a policy for you to cover all your favorite motor toys so you can enjoy using them legally and without worry.

There are many factors that can help you get a lower rate on your motor toys insurance cost, such as:

  • Your driving history or the driving records of other users
  • The make and model of your vehicles
  • Combining multiple vehicles under one policy or with one company
  • Where you live and where the vehicle is garaged
  • Where the vehicle will be used, including boat navigational area
  • Taking motorcycle safety classes
  • Belonging to certain riding clubs
  • Your deductible--the amount you pay before your insurance policy takes over when you file a claim

Contact Hometown Insurance Agency of Utah at 435-754-7701 or talk to us online for a motor toys insurance policy that’s just right for you.