Making Insurance Easy
Recreational Vehicle Insurance
Located in Brighton Colorado but servicing all of the Front Range
There’s an old saying: “The main difference between men and boys in the price of their toys.” Personal watercraft, motorcycles, RVs, off-road vehicles, collectible autos – all these pricey items need good insurance coverage. That’s where we come in.
Who is a Good Candidate for Toy Insurance?
Just about any kind of recreational vehicle poses a threat. Additionally, accidents are simply inherent in operating them. It is crucial to take precautionary measures to protect yourself and these valuable assets. To do this, ensure that you have secured adequate coverage. If you have a rideable motorized recreational item, it is a wise investment to have toy insurance. You would not operate a car or truck without auto insurance in place. Therefore, it is also not wise to use a toy, such as a four-wheeler, without the proper protection. Toys like motorcycles, off-road vehicles, and boats come with risk.
Is Toy Insurance Worth the investment?
Accidents are inevitable, and therefore toy insurance could be your saving grace. When a mishap occurs, toy insurance can help cover the expenses of repairing the damage. Additionally, it can take care of any medical bills if there is an injury. Toy insurance offers peace of mind in ensuring that you can protect your valuable possessions in an accident. Even if you don't need this coverage for your specific location where you operate these toys, it is crucial and beneficial protection. Contact Hessling Insurance to learn more about toy insurance and how it could protect your assets. You can enjoy your toys without worry by securing protection from unexpected incidents or accidents.
Hessling Insurance
The Difference
We Care
Our focus is excellent customer service, it is very important to us. Unlike some agencies we answer the phone. If for some reason we are on the phone with another client, we will call you back as soon as possible. * We understand your time is valuable.
Extra Mile
We have taken our own time to research different things for customers to help them out, ie, I spent 1.5 hours researching to find a non-profit that would help one of our customers get a new roof because her roof was old and the insurance company would not replace it because it did not have hail damage. She needed a new roof but was not able to purchase one because she was single and on a limited budget.
New Car
If you are shopping for a new car and have the Vin number, we are happy to provide you with a quote for the possible new car. For our current customers if they go to a dealership after hours and make arrangements with us prior to going to the dealership we will give them a quote for the new car they are looking to purchase. We do not want our customers to have sticker shock after the purchase of a new car. Some cars can have very high insurance costs and we maybe able to help you make a more informed decision about the purchase.
FAQ
What counts as "recreational" or "toy" insurance?
ATVs, motorcycles, boats, snowmobiles, RVs, and similar vehicles typically need their own policy rather than being covered automatically by your auto or homeowners insurance. As an independent agency we can usually place all of your "toys" together, which often qualifies for a multi-vehicle discount.
Is my ATV or boat covered under my homeowners policy?
Usually not for liability, and only in a very limited way for physical damage. Most homeowners policies cap coverage for these vehicles at a low dollar amount and exclude liability once they leave your property. A dedicated policy closes that gap and is often more affordable than people expect.
Do I need separate insurance for a motorcycle in Colorado?
Yes — motorcycles need their own policy separate from your car insurance, and Colorado requires at least liability coverage to ride legally. We'll shop your motorcycle across our carrier network the same way we do for auto, so you're not overpaying. Request a free quote to get started.
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