If you own a boat, RV, snowmobile, ATV, or motorcycle in Centennial, CO, you may need toy insurance from Compass Insurance to protect your prized investment. Since these recreational assets are expensive, you need proper insurance to protect them.

Depending on where you are using your toy, it may require mandatory toy insurance. However, whether compulsory or not, consider the below types of toy insurance for optimal protection.

Liability coverage

Just like your auto, accidents can happen while using your recreational toy. As a result, you could face property damage, medical bills, and even legal suits for accidents you are at fault. Without toy insurance, you could be facing a financial mess. However, the liability coverage in your toy insurance covers damages caused to other parties but not on your property.

Comprehensive and collision coverages

Toys don’t come cheap — they cost hundreds, if not thousands of dollars. When perils like fire, theft, hail, hurricanes, and vandalism strike, your invaluable asset could go down the drain in a matter of minutes. However, with comprehensive toy insurance, your toy is protected from such perils. The collision coverage protects your toy from accident-related damages.

Medical payments coverage

When an accident occurs, it’s likely to lead to injuries that are costly to treat. Without health insurance, you may have to foot medical costs from your pocket. Fortunately, when you have toy insurance, any injuries you or your passengers sustain in a car accident are well taken care of.

Underinsured or uninsured motorist coverage

It helps you pay for your medical bills or repair your toy if you are involved in an accident with a motorist who is inadequately covered.

Personal effects coverage

Whether it’s your boat, RV, or ATV, with proper toy insurance, items like sporting equipment, clothing, and electronics are covered if they are stolen or damaged while inside your toy. 

Toy insurance in Centennial, CO

Whether you are boating, riding with friends, or enjoying a trip with the family, you need the right toy insurance to protect you, your asset, and the loved ones. 

At Compass Insurance, we offer customized toy insurance plans to ensure that your prized asset has adequate protection. Contact us today for an affordable quote.

Colorado boasts beautiful scenery and diverse geography, making it perfect for a scintillating motorcycle ride. Statistics demonstrate that about 180,000 Coloradans owns motorcycles. If you are a motorcyclist in Colorado, it’s imperative to possess the right motorcycle insurance to protect you and your bike.  

Motorcycle insurance is mandatory in Colorado, and one is required to show proof of insurance before registering your motorcycle. At Compass Insurance, situated in Centennial, CO, we wouldn’t want Colorado riders to suffer fines, court fees, and imminent driver’s license suspension. As such, we offer proper motorcycle insurance to keep you on the right side of the law.

Mandatory motorcycle insurance in Colorado

Colorado State requires all riders to carry liability insurance to cover bodily injury and property damage caused to third parties. This coverage pays for medical costs, legal suits, and property damage for losses and damages sustained by other people in an accident you are deemed liable.

Optional motorcycle insurance

While the state doesn’t require riders to carry these motorcycle insurance coverages, they are vital for all-around protection. These include: 

• Collision insurance coverage: It covers damages arising from a collision with another vehicle or object, including a post, fence, building, tree, or rock.
• Comprehensive insurance coverage: This non-collision form of the policy pays for repairs or replacing your motorcycle if it gets damaged by vandalism, hailstorm, falling objects, or any other covered calamity.
• Underinsured and uninsured motorist coverage: It pays for medical bills for injuries you sustain and property damage, including your motorbike; if you are involved in an accident with a motorist who is inadequately insured or is not insured at all.
• Medical payments coverage: It pays for medical expenses like X-rays and ambulance rides for you or your passengers’ injuries after an accident.

Call for a quote today!

Are you a motorcycle owner in Colorado? Contact us or visit our Compass Insurance offices located in Centennial, CO. Our committed agents will be ready to assist you with all your motorcycle insurance needs.