Toy Hauler Insurance

Toy haulers are a unique blend of mobile living space and cargo carrier, designed specifically to transport recreational equipment like ATVs, motorcycles, or bicycles. They feature a garage area that can be converted into additional living, sleeping, or storage space when not hauling equipment. This dual functionality presents unique insurance considerations, as owners must protect both their vehicle and the valuable cargo it carries.

Insurance Needs and Coverage Options

This insurance protects the toy hauler against risks such as theft, fire, vandalism, and environmental damages like storms and hail. It’s crucial for safeguarding both the vehicle and the equipment stored inside.
Provides coverage for damage or injuries caused by the toy hauler to others, which is mandatory in most states and particularly important given the size and potential risk associated with hauling heavy equipment.
Given the valuable ‘toys’ and personal belongings typically stored in toy haulers, this coverage is vital. It protects against loss or damage to items inside the hauler, including the recreational equipment when it is not in use.
This coverage is crucial if the toy hauler is damaged in an accident caused by another driver who lacks sufficient insurance.
Covers the costs for temporary accommodation and travel if the toy hauler is damaged and becomes uninhabitable during a trip.
When parked and used as a residence at a campsite or RV park, vacation liability coverage provides liability protection similar to that of a homeowner’s policy.
This option helps cover veterinary expenses if your pet is injured in an accident involving your RV, ensuring your furry friends receive the care they need while on the road.
This coverage specifically addresses repairs to your RV’s roof, providing financial protection against damage from elements like branches, hail, or other hazards that can compromise your vehicle’s integrity.
Covers damages to your toy hauler resulting from collisions while on the road, essential for repairing or replacing the vehicle after an accident.
For those who live in their toy hauler full-time, this comprehensive coverage is designed to provide protections similar to a homeowners’ policy. It includes extended liability for any incidents occurring within or around the toy hauler, coverage for all contents, including personal belongings and recreational equipment, and additional living expenses if the toy hauler is temporarily uninhabitable.
This coverage is beneficial for toy hauler owners due to the potential for mechanical issues or other problems while on the road, especially when carrying heavy loads.
These can be added to cover specific external attachments and accessories common to Class A motorhomes, such as satellite dishes and awnings.
Particularly valuable for newer toy haulers, this option can replace your vehicle with a new one of similar make and model if it is declared a total loss.
If the Class C motorhome has been outfitted with additional features such as satellite dishes, solar panels, or other enhancements, custom equipment insurance will cover these extras if they are damaged or stolen.
Protects against the cost of repairs due to damage from rodents or insects, ensuring that infestations don’t lead to major out-of-pocket expenses for structural and electrical damages.


Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.

- Andrew Steele (RVing with Andrew Steele)

Understanding Premiums & Deductibles

Insurance premiums for toy haulers can vary depending on the value of the hauler and the equipment, the level of coverage chosen, and the owner’s driving and claims history. Opting for higher deductibles can reduce monthly premium costs but will increase out-of-pocket expenses in the event of a claim.

Customizing Your Insurance Package​

Considering the specialized use of toy haulers, owners should carefully tailor their insurance package to cover both the vehicle aspects and the high-value cargo it frequently carries. Consulting with an insurance provider familiar with RV and equipment insurance can ensure comprehensive protection tailored to the unique needs of toy hauler owners.

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