What Are Some Tips For Shopping For Toy Insurance?

Regarding toy insurance, knowing what you’re looking for is essential. Not all policies are created equal, and there are a few things you’ll want to ensure are included in your policy. Toy insurance covers recreational vehicles such as motorcycles, ATVs, snowmobiles, and jet skis. It’s important to have toy insurance because these vehicles are expensive to replace and can also be dangerous. Compass Insurance in Centennial, CO offers a few tips for shopping for toy insurance.

The Type of Vehicle You’re Insuring

One of the first things you’ll want to consider is what type of vehicle you’re insuring. Different types of vehicles will require different coverage. For example, if you’re insuring a motorcycle, you’ll need to ensure your policy covers bodily injury and property damage. If you’re insuring an ATV, on the other hand, you’ll need to make sure your policy covers both collision and comprehensive coverage.

The Value of Your Vehicle

Another thing to consider is the value of your vehicle. You’ll want to ensure adequate coverage if you have a high-value car. You don’t want to be underinsured and must pay out of pocket if your vehicle is totaled or stolen.

The Type of Use

The type of use will also affect your coverage. If you use your vehicle for racing or other competitive activities, you’ll need to ensure your policy covers those activities.

The Location

The location of where you’ll be using your vehicle is also important. If you live in an area with a lot of crime, you’ll want to ensure your policy covers theft. If you live in an area with many natural disasters, you’ll want to ensure your policy covers those as well.


Shopping for toy insurance can be a bit overwhelming, but ensuring you have the right coverage for your needs is essential. Compass Insurance offers a few tips for shopping for toy insurance and can help you find the right policy for your needs. Give us a call today to get started or visit our offices in Centennial, CO.

A tree branch fell on my motorcycle. Will motorcycle insurance pay for the repairs?

Motorcycle insurance can provide protection for many unforeseen events. It works similarly to auto insurance, providing liability protection and more, depending on your coverage. Our team at Compass Insurance in Centennial, CO is committed to helping motorcycle owners get the coverage they need.

What is Motorcycle Insurance?

Motorcycle insurance is designed to protect you, other drivers, and your motorcycle, in addition to other things. However, what’s covered by a motorcycle insurance policy will depend heavily on your coverage. Most states require all motorcycle drivers to carry liability coverage at levels that meet the state minimum requirements. Liability coverage provides protection and coverage for other drivers, their property, and their motorcycle if you’re found at fault for an accident. It doesn’t offer any coverage for you, your bike, or your property. You need to purchase coverage that will pay for the repair, replacement, or medical bills you may incur if you have a motorcycle accident if you’re interested in this type of coverage. 

Will my insurance cover my motorcycle’s repair if a tree branch damages it?

Liability coverage can’t be used to pay for the repair of your motorcycle. However, comprehensive coverage can. Comprehensive coverage can be used to pay for the repair or replacement of your motorcycle if it’s damaged by a non-collision or moving incident or accident. This type of coverage protects your motorcycle from theft, vandalism, and a host of other situations that don’t involve a collision. If you have questions regarding motorcycle insurance, call us. We’d be happy to take the confusion out of motorcycle insurance and help you find the best coverage for you.