Toy Hauler Insurance — Coverage for Your Garage-on-Wheels
Toy haulers combine the comforts of an RV with a built-in garage for your recreational equipment. Whether you haul ATVs, motorcycles, dirt bikes, or other gear, a dedicated toy hauler insurance policy may help protect both your trailer and its valuable cargo.
Coverage Options
The following coverage options may be available for Toy Hauler Insurance. Availability, terms, and limits vary by state and policy.
Liability Coverage
May help cover bodily injury or property damage caused to others in a covered incident while your toy hauler is in use.
Collision Coverage
May help pay for repairs to your toy hauler following a collision with another vehicle or stationary object.
Comprehensive Coverage
May cover damage from theft, fire, vandalism, storms, and other non-collision events.
Cargo / Contents Coverage
May help cover the ATVs, motorcycles, dirt bikes, and other gear stored in the garage portion of your toy hauler.
Full-Timer Coverage
If you live in your toy hauler full-time, specialized coverage may be available to address your unique situation.
Custom Equipment
May cover ramps, tie-downs, upgraded generators, and other permanent additions to your toy hauler.
Who May Need Toy Hauler Insurance?
Outdoor enthusiasts who transport recreational equipment to trails, events, and campsites may benefit from toy hauler coverage — especially those whose cargo includes motorized vehicles or equipment worth significant sums.
Top 5 Reasons to Consider Toy Hauler Insurance
- Toy haulers combine a living space and a garage — coverage may need to address both the trailer and the cargo inside.
- The gear stored in a toy hauler — ATVs, bikes, tools — can represent tens of thousands of dollars in value.
- Standard travel trailer policies may not automatically cover motorized cargo like ATVs or dirt bikes.
- Collision and comprehensive coverage may help protect your hauler from road hazards, weather, and theft while parked at trailheads or campsites.
- Liability coverage may be important when your toy hauler is set up at a campsite or rally where others could be injured.
Request a Toy Hauler Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.