How to Make Sure Your Summer Toys Are Properly Insured

livingoodscott
Jul 31
2 min read

Summer is for hitting the trails, cruising the water, and enjoying the open road. But with every adventure comes risk. Whether you own an ATV, boat, classic car, or motorcycle, the right insurance can keep your fun from turning into a financial headache. At Downes Insurance, we help Delaware residents protect their summer rides with policies that fit their lifestyle and budget.

Off-Road Adventures: ATV & UTV Coverage

Off-roading is a blast, but it also comes with its share of bumps — literally. Standard auto insurance won't cover your ATV or UTV once you’re off the pavement. You’ll want a policy that covers:

Damage from collisions, rollovers, or theft
Liability protection if you accidentally injure someone or damage property
Accessory coverage for custom parts, racks, and gear

Watercraft Insurance: Boats, Jet Skis & More

Even a relaxing day on the bay can turn costly if you’re not insured. Homeowners policies don’t cover most watercraft risks. With watercraft insurance, you’re covered for:

Damage to your boat or jet ski
Liability coverage for accidents on the water
Towing assistance if you’re stranded
Coverage for gear & personal items onboard

Classic Cars: Agreed Value Protection

If you own a classic or antique car, you need more than a regular auto policy. Specialty Classic Car Insurance gives you:

Agreed value coverage (you and the insurer decide on the car’s value)
Protection for parades, shows, and limited driving
Lower premiums since it’s not a daily driver

Motorcycle Insurance: Freedom with Protection

Nothing beats the thrill of a summer motorcycle ride. Make sure you’re covered with:

Collision & comprehensive coverage
Medical payments & uninsured motorist protection
Custom equipment coverage for aftermarket parts

Why Choose Downes Insurance?

We work with 17+ top insurance companies, so you’re not stuck with cookie-cutter coverage. Whether it’s your ATV, boat, classic car, or motorcycle, we’ll find a policy that gives you the protection you need at a price you’ll love.