What Types of Items Can Be Covered by Toy Insurance?

Insurance isn’t just for your home and car when protecting your prized possessions. Toy insurance offers coverage for various recreational items, ensuring your investments are safe from unexpected mishaps. Here at Linda Dugan Insurance, serving the greater Astoria, OR area, we offer this type of insurance. Here are some of the different items covered by toy insurance.

Off Road Vehicles

Off-road enthusiasts can find security with toy insurance. Whether you own an ATV, dirt bike, or dune buggy, this coverage can protect against accidents, theft, and damage during adventurous rides off the beaten path.

Recreational Vehicles

Toy insurance extends to recreational vehicles like motorhomes, travel trailers, and camper vans. It safeguards not only the vehicle itself but also your personal belongings inside. Coverage includes accidents, theft, and liability, making your road trips worry-free.


For those who relish winter sports, snowmobile insurance is a must. Whether you use your snowmobile for fun or transportation in snowy landscapes, this coverage can protect against accidents, damage, and even theft during the off-season.

Toy insurance covers various recreational items and is a valuable addition to your insurance portfolio. From off-road vehicles that tackle rugged terrains to recreational vehicles that provide mobile comfort and even snowmobiles built for winter adventures, these policies offer peace of mind in the face of unforeseen circumstances. If you’re in the market for a new toy insurance policy in the greater Astoria, OR area, Linda Dugan Insurance can help you. Call or email us today to discuss your toy insurance needs and how we can best meet those needs.

Does Boat Insurance Cover Medical Payments for Medical Care After a Boat Accident?

Boating is a popular recreational activity, but accidents can happen on the water. If you’re wondering whether boat insurance covers medical payments for healthcare after a boat accident, Linda Dugan Insurance, serving the greater Astoria, OR area, is here to answer your question. 

Does Boat Insurance Cover Medical Payments?

Yes, boat insurance typically covers medical payments (med-pay) for injuries resulting from a boat accident. Med-pay is a standard component of many boat insurance policies. It helps pay for necessary medical expenses, such as doctor visits, hospital stays, surgeries, and even funeral costs in the unfortunate event of a fatality.

Who Is Covered by Med-Pay?

Med-pay coverage extends to various parties involved in the boat accident, including the policyholder, family members on board, passengers, and even individuals who aren’t on the policy but were injured in the accident. This coverage is designed to provide immediate financial assistance for medical bills, regardless of who was at fault.

Coverage Limits and Options

The amount of med-pay coverage can vary based on your policy and insurer. It’s essential to review your policy to understand your coverage limits. Some boat insurance policies also offer options to increase med-pay coverage if you feel the standard coverage is insufficient.

Boat insurance often includes medical payment coverage to protect you and others involved in a boating accident. Understanding your policy’s coverage limits and options is essential for ensuring that you have adequate protection in case of injuries. With the right boat insurance, you can enjoy your time on the water with peace of mind. If you want to purchase a new boat insurance policy in the greater Astoria, OR region, contact Linda Dugan Insurance to start the process.