Category: Power Toys Insurance

Insurance for Motorized Toys 

If you enjoy the fun and adventure of driving a four-wheeler, jet ski, or motorcycle, you know how thrilling it can be. You may also wonder if you need “toy insurance”—insurance for these vehicles. If you live in the Lansing, IA, area and you need insurance for a power toy such as that, we encourage you to visit us at Kerndt Brothers Insurance Agency.

Motorized toys can include water sports devices like boats or jet skis, as well as land vehicles like motorcycles or ATVs. Although their owners buy these “toys” to provide opportunities for adventure and exploration, those activities can also increase the risk of damage.

Customized Coverage for Power Toys 

Our agents can answer all your questions and will work with you to find the right customized power toy insurance for your needs. 
Insurance policies for these motorized “toys” are much like auto insurance. The policies for these motorized toys include liability coverage, which would protect you if you are declared at fault for damages to someone else’s motorized toy. 

If you or one of your passengers is injured in an accident, your policy would cover medical expenses. If you are responsible for the accident, damage to your power toy is reimbursed by the collision coverage on your policy. If the device caused non-vehicle damage, your comprehensive coverage is used. 

Call Us Today for an Appointment 

Protect your time with these vehicles by purchasing the right insurance policy. Residents of the Lansing, IA, area looking for insurance for their power toys are invited to talk with any of our experienced agents at Kerndt Brothers Insurance Agency. Call us for an appointment today so we can help you protect your next adventure. 

There are many lakes, rivers, and beaches near Lansing, IA, where you can enjoy personal watercraft devices called PCW. Personal watercraft are small electric boats for one or two people, electric surfboards, electric sea scooters, electric surfboards, and electric jet skis.

Although insurance is not required, Kerndt Brothers Insurance Agency has power toy insurance that covers medical expenses, collisions, and repairs to personal watercraft. Why take the chance of accidents or damage? Like a boat, PCWs should be insured.

Boating Safety and Personal Watercrafts  

In Iowa, children 12-17 years old must complete a boating safety course to operate a PCW alone. They can operate a PCW without being certified when a responsible adult over 18 is on board. In some cases, the boating course is necessary because some PCWs only have room for one person. PCWs should not be operated between sunset and sunrise. The Iowa Department of Natural Resources has an online boating safety course that gives a boater education card at completion to kids 12-17. 

Types of Personal Watercrafts 

A one or two-person small electric-powered boat is fun on the water and relaxing. Some boats with low-powered motors are designed for drifting and relaxing. An electric lounger scooter boat lets you lay on two sunbeds, has a ladder on the side, and has a Bluetooth system that warns you when the battery is getting low. Some PCW boats are high-speed and fit one to three people. These boats come with a supercharged engine, audio systems, special controls for speed and turns, and comfortable seats. They are sometimes called water jet skis. 

Electric surfboards are popular, reaching speeds of up to 37 miles per hour.  They have distinctive designs for the beginner to the experienced surfer. Sea scooters are designed for snorkelers and scuba diving and help you explore underwater sites with ease. All these PCWs are pricey and provide hours of enjoyment in the water. Accidents happen on the water and power toy insurance can protect you and your family. 

Contact Us About Power Toy Insurance

If you own a personal watercraft or plan to buy one, contact us at Kerndt Brothers Insurance Agency in Lansing, IA to learn more about power toy insurance for your watercraft.