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12111 Spring Cypress Rd
Suite A
Tomball, TX 77377

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4 Things to Know about Texas Recreational Insurance

Tomball, TX, is nestled near the national forest and is home to all types of outdoor activities. Non-passenger automobiles such as golf carts, four-wheelers, Jet Skis, and ATVs make playing outside more enjoyable. These types of vehicles are covered by recreational insurance, sometimes also called toy insurance. At Great Southern Agency, we know you deserve to play with peace of mind. 

Not Covered by Homeowner’s Policy

Outdoor toy vehicles are typically not covered by a homeowner’s insurance policy. Even though many of these types of vehicles require a title, but not necessarily registration, it’s still essential to take out liability insurance policies on each of them. If you’re involved in a collision or property damage results due to one of these toys, you can be held liable. 

Responsibility if Stolen

Suppose your ATV, golf cart, boat, crawler, or other recreational vehicle is stolen and involved in an accident. In that case, you, as the owner, can still be held responsible for the resulting property damage and medical bills. Being financially accountable can be devastating, even though this unfortunate situation may have happened through no fault of your own. A good liability policy can give you more security.

Insured at Cash Value 

Many of these vehicles are insured only at actual cash value at the time of accident or loss. For example, if you paid $7,500.00 for a recreational toy vehicle, but after five years, it’s now only worth $2500.00, you might be overpaying for insurance. The insurance policy may not pay out the original cost of the vehicle. 

Be Aware of Modifications

The State of Texas is particular about what each recreational vehicle or toy vehicle needs to stay classified as a specialty vehicle. If significant modifications are made, it may no longer be classified under a recreational category. If this happens, an insurance company might cancel future coverage for that recreational toy vehicle. 

Contact Great Southern Agency

Faithfully serving Tomball, TX, and the surrounding areas, Great Southern Agency is happy to help you pick the right Texas recreational insurance for your needs. Contact us today for a free quote!