Insurance Quotes for My Toys: Personalized Rates for Every Adventure Chased

Excel gets back to me quickly and through the way I connect with them. If I call, they call back. If I text, they text. Getting insurance for my toys is easy.
Vic, Personal Insurance Client
Excel makes updating my file a breeze. I like their approach to customer service too. They treat me like a VIP.
Amy, Personal Insurance Client

I need personal insurance for my toys. Where do I start?

ATV & Dirt Bike Insurance

Get a free dirt bike and ATV insurance quote without the hassle. Completely custom for your needs.

Boat & Marine Insurance

Get a free boat and marine insurance quote without the hassle. Completely custom for your needs.

Motorcycle Insurance

Get a motorcycle insurance quote without the hassle. Completely custom for your needs.

RV & Trailer Insurance

Get a free rv & trailer insurance quote without the hassle. Completely custom for your needs.

Snowmobile Insurance

Get a snowmobile insurance quote without the hassle. Completely custom for your needs.
Free Off-road Insurance Quote
Free Marine Insurance Quote
Free Motorcycle Insurance Quote
Free RV Insurance Quote
Free Snowmobile Quote

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We automatically compare the best home insurance rates for you from the TOP 10 Canadian insurance companies

These insurance brokers deal with so many companies for me. They handled everything and quickly.
Serge, Personal Insurance Client
I love that Excel is one-stop-shopping for my insurance. I have my home, vehicles and now insurance for my toys 🙂 – all put in place by Excel Insurance Group.
Janine, Personal Insurance Client
If you have not yet dealt with an insurance broker, deal with Excel Insurance. They set the standard for quality insurance service and make me laugh too, every time.
Mark, Personal Insurance Client

I Have a Few Questions About My Insurance for My Toys

What is insurance for my toys?

Generally speaking, recreational policies are those types of policies that cover your ‘toys’ or your recreational vehicles and their use. Recreational vehicles and equipment (your toys) include, though aren’t limited to, all terrain vehicles (ATVs), quads, dirt bikes, motorcycles, boats, snowmobiles and the wide variety of camper trailers and fifth wheels.

Doesn't my homeowner insurance cover me, acting as insurance for my toys?

Unfortunately, your homeowner insurance does not cover you for your recreational toys, though this is a common misconception. Like an automobile, your toys are only covered in a limited fashion, using liability insurance as the starting point for coverage. Just like you need a car insurance policy, you also need a recreational policy for your toys.

Could I just risk it and not get any insurance?

There are two major risks at play here when considering no insurance as an option. The first risk lies in the damage of the toy itself. Were it to be damaged, you wouldn’t be able to have it replaced or repair through a claim. A potentially much higher risk, however, lies in the liability risk associated in the event that negligent/accidental operation of the toy leads to further bodily injury or property damage, especially that which is not your own. These types of losses need to be covered by an insurance policy of their own and specifically designed for your toys.

Regardless of the type of toy, what insurance for my toys can I typically obtain?

Similar in structure to an automobile policy, liability is the starting point for your recreational policy. Physical damage coverage to the toy is added thereafter, as well as other options. An Excel Insurance broker will walk you through the selections.

Can my existing insurance be used or extended to add insurance for my toys?

A homeowners policy, in some cases, can extend to cover certain types of toys though not in the case of all homeowners policies not for all of your recreational toys. Having mentioned this, however, standalone coverage is typically more adequate in protection you and your toy, not to much much less expensive.

What if I don't use my toys often or if i just 'park them.' Do I still need insurance for my toys?

An insurance policy can include theft and vandalism coverage. Regardless of the frequency of use, these types of exposures exist 24/7, 365 days a year. Of course, if you do use your toy even once a year, your liability and personal property protection is still an important consideration.

What is the difference between liability, collision and comprehensive insurance?

Liability insurance provides coverage in event of negligence for third party bodily injury or property damage.

Collision insurance provides you with coverage on your toy in the event of an accident where you are negligent.

Comprehensive insurance provides coverage on the toy for everything else (fire, theft, vandalism, etc).

EASY ADD-ON INSURANCE FOR MY TOYS. QUOTES AVAILABLE NOW

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Get Insurance for Your Toys in Ways that Work For You

Having fun out in the world means you need protection in all the right places.

Anybody that owns toys creates different adventures alone, with family and with friends. Whether those adventures are out on the open water or open road, whether they are with your boat, motorcycle or RV, or whether they are off road in puddles, sand dunes or piles of snow, your adventures are your own and they are memories in the making.

Besides maintaining required liability coverage as part of your insurance policies, you’ll likely want to insure them for damage or replacement in case of an accident. You may also want to ensure you’ve got cover in case of certain perils relevant to the type of toy you have, or the more known theft, vandalism and fire coverages.

Whatever you decide, Excel Insurance Brokers work with you online or over the phone, in person or via chat, to make sure your decisions are informed and your insurance policy matches the risk you visit each time you journey.

So have fun and do so knowing that we have your back.

Get me a free insurance quote for my toys. Get me where I want to go.

Get Where You Want to Go

With a 3-Way Solution

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Simplified Insurance for Your Toys

RVs, trailers, ATVs, quads, dirt bikes, motorcycles, boats, snowmobiles and more.

Whatever you need, we have your back.

Call 1 (780) 732-7129

We quote you based on the best rates from the top 10 car insurance companies

Insurance for your Quads, all-terrain vehicles and dirt bikes

Stop my off-road insurance nightmares
Get a free insurance quote for your off-road toys - dirt bikes, atvs, quads and more. Get it quickly and online with Excel Insurance Group. Insurance for my toys has never been easier.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your boats and marine vehicles

Get Me a free boat insurance quote
Get a free marine and boat insurance quote quickly and online with Excel Insurance Group. Insurance for my toys has never been easier

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your motorcycle

Get me the best motorcycle insurance
Motorcycle & small motorized bike insurance is a different kind of insurance than auto insurance. Get a motorcycle insurance quote today. With Excel Insurance online, isurance for my toys has never been easier.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your recreational vehicles, trailers, campers, 5th wheels and your moving ‘homes’

I Need RV & Trailer Insurance Now
Get a free insurance quote for your RV, trailer, 5th wheel, camper and more. Get it quickly and online with Excel Insurance Group. Insurance for my toys has never been easier.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

Insurance for your snowmobiles and motorized snow vehicles

Get me Snowmobile Insurance quote now
Snowmobile insurance quotes made easy through Excel Insurance Group online. Insurance for my toys has never been easier.

Call 1 (780) 732-7129 or Text 1 (780) 809-4838

I still have a few questions about insurance for my toys

Does my toy insurance cover other people in my family or household?

This is a difficult question to answer on its own. While it can be the case, you and your broker should discuss who will be using or operating your toy and customize your insurance accordingly.

Do you need to know the VIN number like in auto insurance?

Yes. A Vehicle Identification Number (VIN) is a serial number that is registered in the national database. Your VIN is the unique identifier of the record that contains all information about your toy, its manufactured special features and its year of release. Insurance companies need the VIN to ensure you get the proper replacement value allocation for your toy or to help determine course of action in an applicable claim.

I am unclear as to what kinds of risk are even applicable to my toys?

Have no fear. Yours is a commons starting point and we are happy to help you navigate what might feel confusing. Call or text us and we can help you get a quote quickly.

I already have insurance and I might have a broker. Why should I change?

A lot of our clients come to us for the VIP service and because we don’t just sell insurance, we source you the best rates and insurance options available to you in a customer, personalized manner. We access rates from the top ten insurance companies and our brokers perform through a thorough review of your program, needs and alternatives available.