Having toys to play with isn’t just for kids! Adults like to play and have fun too, only our "toys" are often bigger and more expensive. Just look at all the jet skis, boats and other watercraft on the lakes and waterways here in the Bethlehem, PA area!

If you own such a toy, it’s only natural to wonder what kind of insurance you’ll need to protect your investment. At Saucon Insurance Agency we’re here to help, but it’s important to know what kind of options you’re looking at. There’s Watercraft (boat) insurance, and there’s toy insurance, both of which serve different purposes. So, which kind of coverage is best for you?

Defining a ‘Toy’

Watercraft/boat insurance can be used to cover a wide range of boats and water vehicles. However, if you have a smaller watercraft that is strictly for recreational use, then it can be considered a "toy" as far as insurance goes. Such water-based toys include (but may not be limited to) the following:

• Jet Skis (a brand that is also a generic term referring to water scooters and other personal watercraft or PWCs)
• Small boats (usually up to 26 feet)
• Small-scale Sailboats
• Any small watercraft with a motor

How Toy Insurance Works

Boat insurance is more comprehensive and often geared toward watercraft that have more regular use (sometimes commercial/transportation use as well). However, toy insurance focuses on watercraft that is primarily for recreation purposes. As such, this type of insurance provides coverage for liability risks that may come with recreational use, as well as theft or other damaging situations.

Give us a call or stop by our offices in the Bethlehem, PA area to learn more about getting an insurance policy for your watercraft/recreational ‘toy’. At Saucon Insurance Agency, we look forward to getting you the coverage you need so you can get out there and start playing!