Spring toys insurance: Are your ATVs and golf carts covered?

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The weather is warming up and it’s time to think about spring toys insurance – and if you have the proper amount.

In other words, are your ATVs and golf carts covered?

It’s a good question to ask – and have answered – before you want to use these spring toys. After all, if you are covered with spring toys insurance, you’ll be able to enjoy a day on the links or hitting the trails.

ATVs or all-terrain vehicles, usually need their own insurance policy, beyond your auto or home insurance policies. You generally need ATV insurance so you are covered for things like property damage liability coverage, bodily injury liability coverage, collision coverage and comprehensive coverage.

In turn, you’ll need the same basic coverage for your golf cart.

For both types of vehicles, you need to protect yourself and others – as well as your property and the property of others through proper insurance.

While these vehicles can be a lot of fun for you and your family and friends, the sad fact is, that accidents can and do happen. And you don’t want to be caught without enough insurance coverage.

Also, some states require separate policies for these types of vehicles – especially if you use them on roads and pathways.

But even if you aren’t legally required, it’s always a good idea to have the coverage in case of damage, loss or theft – or injuries.

Your insurance agent can talk to you about the best and most cost-effective way to get coverage – including discounts on bundling your plans.

So, don’t neglect insuring your spring toys this year. And that way, you can enjoy them this year and for years to come!

Crumrine Financial Services

At Crumrine Financial Services, we can explain how much ATV or golf cart insurance you need and identify the right policy for you. Request a quote today!