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Toy insurance in Astoria, OR, can help provide coverage for vehicles that your regular insurance won’t cover. For example, you can put a golf cart on your auto policy. Policies for “toy” vehicles can help cover various motorized or nonmotorized vehicles that don’t fit with other policies.
What Is Considered a Toy Vehicle?
A toy vehicle, for insurance purposes, can be almost any vehicle that isn’t used for daily commuting or doesn’t have specialized insurance options. For example, some insurance companies include e-bikes in this category. However, many don’t, and you’d need a specialized e-bike policy. Snowmobiles, golf carts, ATVs, and other recreational vehicles are all considered “toy" vehicles.
Toy Policy Coverage
Standard toy insurance policies often include a liability component, making them necessary if you want to drive your vehicle on the road. Any vehicle driven on the public road, including golf carts and snowmobiles, must have proper insurance to comply with the law.
Many policies can also provide coverage for theft, vandalism, and damage from natural disasters. Home insurance policies often provide limited coverage or specifically exclude coverage for items such as off-road vehicles. This makes it essential to work with an agent at Linda Dugan Insurance.
What Counts as a “Toy”
Generally, these are vehicles used for leisure or hobbies. For example, dirt bikes, boats, jet skis, four-wheelers, golf carts, etc. are vehicles for which you could obtain this type of policy. These policies cover a wide range of vehicles, unlike standard auto or boat policies.
An experienced representative here at Linda Dugan Insurance can help you learn whether you need a policy for your toys. Contact us to discuss it. We’re currently serving the Astoria, OR, area.
