Having motor toys to enjoy the great state of Kentucky makes weekends and vacations fun, but you want to be sure these vehicles are insured, just like your car or truck. Sometimes insurance requirements are a gray area with the law until you venture onto public roadways or local, state, and national parks.

What types of vehicles are typically covered by motor toys insurance?

• Motorcycles
• Dirt bikes
• All-terrain vehicles (ATVs)
• Dune buggies
• Jet skis
• Snowmobiles
• Golf carts

Enjoy Broad Coverage with Motor Toys Insurance

Coverage of your pleasure vehicles can be quite comprehensive, including liability that protects you and other people and insurance for the motor toy itself:

• Collision with a pedestrian, cyclist, or another vehicle
• Property damage
• Lawsuits when you are at fault in an accident
• Medical expenses for yourself and others
• Guest passenger liability
• Bodily injury and loss of life
• Vandalism and theft
• Loss to fire, storms, or many natural disasters
• Reimbursement for repairs or replacement after damage
• Custom parts and equipment
• Fuel spills and wreckage
• Your personal belongings on the vehicle
• Unattached equipment
• Emergency assistance if you are stranded

You can even add personal umbrella coverage for added liability protection. We often recommend this for motor toys used by younger members of the family and new drivers.

Let Our Independent Agents Get You the Coverage You Need

Our independent agents know the ins and outs of using motor toys in Kentucky and can tailor insurance coverage to your usage and type of vehicle. We want you to use your motor toys legally and without the stress of worrying about liability or loss.

We can often find reasonable coverage when you bundle your motor toys insurance with your auto and home policies. Other factors, like your driving record, your location, and training classes, also influence the cost of insurance. We can work with you to find an ideal balance between your premium and your deductible, too, so you get the most budget-friendly insurance solution.

Contact Bilz Insurance at 859-431-1235 today to start the conversation or reach out online for motor toys insurance that’s perfect for you.

Get a Free Motor Toys Insurance Quote