In Colorado, we LOVE our toys! We love our RVs, our 4-wheelers, our motorcycles and yes…even our boats and jet skis too! Specialty Insurance is an important coverage because of the investment you’ve made in your toy or motorhome. It is also important because these vehicles can cause major injuries and significant damage to other people and vehicles and property in an accident. Collision and comprehensive insurance limits are determined by you, the consumer. Be sure to consider how you will cover your costs if you are in an accident and do not have adequate coverage. Additionally, the amount of “Toy Coverage” you need will depend upon the assets you want to protect in the event of a liability claim or lawsuit.