Recreational toy insurance that’s geared to you

Take it easy while we help you find and compare recreational toy insurance quotes, made to match your needs.
Compare, shop and customize quotes from top-rated insurance carriers.

Keep your recreational toys covered,
no matter what

Recreational toy insurance keeps you protected against liability and property damage to your motorized vehicles, snowmobiles, watercraft and more.

  • Boat on a trailer with a red background

    Find tailored coverage for your unique hobbies

    The right recreational toy insurance can cover custom parts and replacements for whatever floats your boat — from jet skis and snowmobiles to golf carts, ATVs, travel trailers, mopeds and more.
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  • Three smiling people in front of a green background.

    Protect your finances with liability insurance

    When accidents happen, it’s best to be prepared. If your recreational toy causes damage or injury to other people or their property, liability insurance can cover repairs and legal fees.
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  • Graphic of a medical bill

    Cover yourself against unexpected medical bills

    If you hurt yourself or someone else while having fun, recreational toy insurance can also cover medical bills — so you can focus on healing instead of worrying about paying out-of-pocket.

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Learn more about recreational toy insurance

Check out our FAQs or call 833-495-2748 to speak with an expert insurance advisor.

VIU by HUB arranges insurance for a wide range of recreational toys. These typically include motorcycles, all-terrain vehicles (ATVs), snowmobiles, jet skis, boats, RVs, campers and more. For specific coverage details, a VIU by HUB Advisor can readily share all the available carrier options as well as relevant details that can vary based on location and other factors.

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Read “Are winter toys covered by insurance?”

The cost of recreational toy insurance varies depending on the type of toy, its value, where it's used and the owner's driving history. Factors like the level of coverage desired and any additional endorsements for specific risks like theft and natural disasters can also impact the price. With a rundown of your details, a VIU by HUB Advisor can help you compare quotes with the most accurate pricing.

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Whether you have coverage for water damage depends on your specific recreational toy insurance policy. Some policies, especially those for watercraft like boats and jet skis, may include water damage coverage. However, it's important to review any policy details with your VIU by HUB Advisor to make sure you’re covered for what you need.

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Yes, recreational toy insurance is different from auto insurance. While both provide protection against accidents and damage, recreational toy insurance is tailored to the unique risks associated with specific recreational vehicles and activities which are not covered under standard auto insurance policies. A VIU by HUB Advisor can help you find the right policy for your unique needs.

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Recreational toy insurance is often a worthwhile investment for those who own valuable recreational equipment. It protects against potential losses due to accidents and the financial harm you might do to others or their property, theft, or damage to your toy, providing peace of mind and financial security. When considering the best policy for your needs, the value of the insurance should be weighed against the cost of replacing or repairing the recreational toy and financial risk caused by an at-fault accident.

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While some homeowners or auto insurance policies may offer limited coverage for recreational toys, this coverage is often not as comprehensive as a dedicated recreational toy insurance policy. For full protection, a specific policy for the recreational toy in question is recommended, especially for high-value items or those used frequently.

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Contact a VIU by HUB Advisor today to compare quotes from different insurers and get the best rate on a recreational toy insurance policy that meets all your unique needs. Increasing your deductibles can lower premiums, as can maintaining a good driving record, taking safety courses and installing safety measures like anti-theft devices and other features. If you only use your recreational toy seasonally, it’s also a good idea to ask your VIU by HUB Advisor about adjusted coverage options.

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Read “How to lower motorcycle and boat premiums in the winter”

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