Summer Toys, Big Liabilities: Are You Covered?
- Scott Robson
- 12 minutes ago
- 1 min read

T – Trend: Central Oregon’s Summer Toy Boom
From the Cascade Lakes to the high desert, Central Oregon residents are investing big in boats, ATVs, RVs, and jet skis. Since the pandemic, sales of recreational vehicles have soared—but most people don’t realize their insurance hasn’t kept up.
R – Risk: One Crash Could Cost You Thousands
Your standard home or auto policy might not cover:
ATV or side-by-side accidents off-property
Boat collisions on public lakes
Stolen trailers or gear during a weekend trip
One uncovered claim can mean tens of thousands in out-of-pocket losses—and liability suits if someone gets hurt.
I – Insight: The Gaps We See Every Summer
Assuming your homeowner’s policy covers your ATV or trailer
Letting friends drive your boat without checking coverage
Overlooking umbrella liability for high-risk activities
These are common—and costly—mistakes that we help clients fix every year.
A – Action: Get Summer-Ready Coverage
Protect your summer adventures with:
A specific boat, RV, or ATV policy that includes proper liability
Coverage for your toys in use, in storage, or in transport
Umbrella coverage if guests are using your recreational equipment
Policy bundling options for added savings
Don’t let a summer thrill become a financial nightmare. Let’s review your coverage and make sure you’re protected.
Contact us today to schedule a policy check-in.
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