Summer Toys, Big Liabilities: Are You Covered?

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.