Insure Your Weekend Toys Before the Fun Gets Expensive

A boat for Canyon Lake.

A motorcycle for Hill Country rides.

An RV for family road trips.

A side-by-side for the ranch.

A jet ski for summer.

A golf cart for the neighborhood.

These may feel like “toys,” but they can become expensive fast if something goes wrong.

At Two Rivers Insurance Agency by Ken Zschappel, we help Texas owners review insurance options for recreational vehicles and weekend toys before the next ride, trip, launch, or getaway.

What counts as a weekend toy?

“Toys insurance” usually means coverage for recreational vehicles and fun-use equipment like:

Some are used on the road.
Some are used on water.
Some are used off-road.
Some are stored most of the year.
Some are financed.

That is why coverage should not be guessed.

The common mistake

Many owners assume:

“My home insurance covers it.”
“My auto policy covers the trailer.”
“I only use it on weekends.”
“It is stored most of the year.”
“I only ride on private land.”
“The lender only asked for basic coverage.”

Those assumptions can create problems after a claim.

Your boat, motorcycle, RV, ATV, UTV, golf cart, trailer, or jet ski may need its own policy or a specific coverage review.

What can toys insurance help with?

Depending on the policy, coverage may help with:

Theft
Fire
Storm damage
Hail damage
Collision
Damage to the vehicle
Liability if someone is injured
Damage to someone else’s property
Towing or emergency assistance
Accessories or equipment, depending on coverage

Before you ride, tow, float, or launch

Ask yourself:

If you are unsure, it is time to review your coverage.

Protect the fun before the weekend starts

Weekend fun is better when you know what is protected.

Two Rivers Insurance Agency by Ken Zschappel
618 Comal Ave, Bldg A New Braunfels, TX 78130

Call: (830) 626-9998

Before you ride it, tow it, float it, launch it, or park it, make sure your weekend toy is covered.