Category: Power Toys Insurance

Can I Insure Multiple Power Toys on the Same Policy?

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If you own an ATV, snowmobile, or personal watercraft in Lansing, IA, you already know you need specialized power toys insurance to protect your recreational vehicles. But what happens when you purchase an additional vehicle, such as a jet ski? Do you need a separate policy? In most cases, you do not. Kerndt Brothers Insurance Agency can help you find a simple and comprehensive way to insure multiple power toys under one policy.

How Multi-Vehicle Power Toys Insurance Policies Work

Most insurance carriers allow you to list several types of power toys on a single policy. Each vehicle is assigned its own premium based on factors such as value, usage, and risk, similar to how auto insurance policies are structured. All listed vehicles are covered under one policy and billing statement for added convenience.

Typically, all power toys must be registered to the same owner, who may be the policyholder or another household member. Vehicles must generally be used for personal or recreational purposes only. Insurers may also require details about where each vehicle is stored when not in use.

Bundling multiple vehicles under one policy may qualify you for multi-vehicle discounts. Some insurers also allow coverage stacking, where uninsured or underinsured motorist coverage limits may be combined to increase overall protection. With a single policy and renewal date, you also reduce the risk of missed payments or coverage lapses.

Important Coverage Considerations

Many power toys insurance policies include a lay-up period, which reduces premiums during months when your vehicles are in storage while still maintaining protection against risks such as theft, vandalism, or fire. If you have customized your vehicles with high-end parts or added specialized trailers, consider adding custom parts and equipment coverage to protect those upgrades.

It is also important to keep liability limits consistent across all vehicles to maintain a uniform level of protection. This helps ensure you have adequate coverage regardless of which power toy you are operating.

To find a Power Toys insurance policy that fits your needs, work with the experienced professionals at Kerndt Brothers Insurance Agency. Contact our office in Lansing, IA, today to get started.

Do Snowmobiles Require Power Toys Insurance?

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Power toys insurance is specifically designed to provide a minimum level of liability protection for motorized items, such as snowmobiles, jet skis, and other personal watercraft, as well as ATVs like four-wheelers. It can help cover medical bills and personal property damage in the event of an accident, among other things.

Legal Requirements

Iowa takes snowmobile operations seriously. Riders aged 12-17 are required by law to take and pass an education course, and must have a certificate when riding on trails or public land, including ice.

The state also mandates minimum liability insurance for snowmobiles driven on public roads and highways. Previously, snowmobiles were one of the few exceptions to the law. However, this was revoked in 2012, making liability insurance mandatory for all motorized vehicles driven on public roads and highways.

Types Of Coverage

Many insurance agencies throughout Lansing, IA offer different levels of coverage for snowmobiles. Owners can opt for liability insurance, which is often the most affordable option. This covers the other person’s bodily injury and property damage costs. Collision coverage will also help cover your damages, and comprehensive coverage covers damage that isn’t related to an accident. An agent at Kerndt Brothers Insurance Agency can help you determine which level of coverage you need.

Assurance and Security

Power toys insurance is designed for all your motorized toys. It can cover four-wheelers, snowmobiles, etc. Homeowners’ insurance typically doesn’t cover these vehicles when damaged, making coverage necessary to provide you with assurance and security.

Agents at Kerndt Brothers Insurance Agency have years of experience regarding power toys insurance and the Lansing, IA law. We’ll ensure you have the coverage you need to meet minimum requirements. Contact us before you hit the trails.

Motorized Toys – How to Insure Them

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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. 

Electric Powered Personal WaterCraft and Why Insurance Is Needed

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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.