Recreational Vehicle and Toy Insurance

From young children to adults, we all love our toys. As we get older, the toys get bigger, more powerful, and more expensive. Whether you enjoy riding an all-terrain vehicle (ATV), or taking your speedboat out on the open water, these recreational vehicles can severely injure other people and can cause extensive damage to their property. No matter what types of toys you own, American Family Agencies can help Florida residents throughout Clearwater, Crystal Beach, Palm Harbor, and Ozona with all of their insurance needs.

Recreational vehicles come in all shapes and sizes and are designed for use on-road, off-road, and on open water. Insurance coverage is available for many different types of vehicles and watercraft including:

Dune Buggies
All-Terrain Vehicles
Golf Carts
Various boats and watercraft
Campers and Trailers
Classic Cars
Personal watercraft such as Jet Skis
Since these vehicles are used in different manners, insurance coverage will vary across each different type of vehicle however, most policies will include the same general coverages.

Liability Insurance – Bodily Injury and Property Damage

Popular boating and off-roading areas can be crowded and you will be sharing the area with people operating similar vehicles as you. Accidents can happen both on and off-road. Bodily injury and property damage liability insurance will pay for injuries and cover any damage you may cause if you are responsible for an accident.


In the event you were in an accident and hit another ATV or boat, or perhaps a tree or other obstacle while off-roading, collision coverage will pay for the damage caused to your vehicle.


While collision coverage will protect your vehicle against any accident related damage, comprehensive coverage will pay for damage resulting from non-collision related damage such as fire, theft, severe weather, or vandalism.

Uninsured and Underinsured Motorist Coverage

Depending on the type of vehicle you own, certain types of insurance may be required by the state of Florida. Despite these mandatory insurance laws, some individuals choose not to purchase insurance or do not purchase adequate insurance. If you are in an accident with one of these individuals, uninsured or underinsured motorist coverage will pay for injuries or damages that you may suffer.
Many recreational vehicles, boats, and other toys are designed to go fast and to be used in a manner conducive to accidents. It is important to have the proper insurance on all of your recreational vehicles. Contact the team at American Family Agencies today for more information on insuring your toys.