Summer Storms and Your Toy Vehicles: Are You Covered for Weather Damage? 

Summer weather in Missouri often includes strong storms that can damage homes, vehicles and toy vehicles, such as all-terrain vehicles (ATVs), recreational vehicles (RVs) and boats. Winnett Insurance Agency Inc. offers RV insurance to help you cover losses.

How Summer Storms Impact Toy Vehicle Insurance

RVs can sustain damage in severe weather. Standard auto or homeowners policies generally do not cover these vehicles for weather damage, so separate coverage for recreational vehicles may be required.

What Does Toy Vehicle Insurance Cover?

This type of policy may cover risks such as:

• Hail and wind damage: Comprehensive coverage may pay for repairs if an ATV, boat or RV is damaged by hail or wind, but exact coverage limits and deductibles can vary by policy.
• Flooding: Some policies may include coverage for water damage, including flood-related loss.
• Theft and vandalism: Coverage may also apply to certain nonweather losses.

Policy terms, exclusions and coverage details vary. Review your policy and ask about endorsements, add-ons or limitations regarding coverage for specific weather events.

Steps to Prepare Your Toy Vehicles

Consider these tips to minimize the impact of summer storms:

• Store vehicles in a garage or under secure covers when not in use.
• Check vehicles regularly and address any maintenance needs.
• Review your insurance policy ahead of storm season.
• Take photos of your vehicles for possible insurance claims.

We’re Here to Help

Contact Winnett Insurance Agency Inc. today to schedule a policy review or get a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.