Toy Hauler Contents & Garage Coverage
The biggest gap in standard toy hauler insurance is garage contents. Standard personal property limits leave your ATVs, motorcycles, UTVs, and equipment exposed. Learn your options for actually protecting what's in the garage.
The Toy Hauler Garage Contents Coverage Gap
Most standard RV policies include $3,000–$5,000 of personal property coverage. That sounds reasonable — until you look at what's in a toy hauler's rear garage.
One Polaris RZR: $22,000. One Can-Am Maverick: $28,000. Two dirt bikes: $14,000. At any of these values, the standard personal property limit is exhausted by a single vehicle. And those "toys" are often worth more than the RV itself.
The Coverage Problem
Standard RV policies weren't designed to cover the contents of a garage carrying off-road vehicles. Personal property coverage is designed for furniture, electronics, and clothing — not purpose-built recreational vehicles worth tens of thousands.
Your Options
Scheduled Personal Property on the RV Policy: Some carriers allow you to schedule specific items at agreed value within the RV policy. This works for lower-value items but gets expensive for high-value OHV equipment.
Separate OHV/Powersports Policies: The cleanest solution for ATVs, UTVs, and motorcycles is a dedicated OHV policy for each vehicle. This covers them while stored AND while you're riding them — which the RV policy never would. It's usually more coverage for comparable or lower cost.
Inland Marine / Floater: For high-value recreational equipment, an inland marine floater can provide broader coverage with higher limits than a standard RV personal property endorsement.
Our Recommendation
Build a layered coverage approach: RV policy for the toy hauler unit itself, separate OHV policies for the powered vehicles, and scheduled personal property for ancillary gear (generators, tools, camping equipment). This provides the broadest coverage at the most competitive combined premium.
What's Covered
Frequently Asked Questions
Standard RV personal property limits ($3,000–$5,000) may partially cover an ATV while stored in the garage — but almost certainly not at its full value. More importantly, coverage ends when you ride the ATV out of the garage. You need a separate OHV policy for riding coverage.
Most standard RV policies provide $3,000–$5,000 in personal property coverage. A single ATV or UTV typically exceeds this. For high-value recreational equipment, separate OHV policies or scheduled personal property endorsements are needed.
Separately is almost always better. A standalone OHV/UTV policy covers the vehicle while riding (not just while stored), provides dedicated limits sized for the vehicle's value, and keeps UTV claims off your RV policy history. Separate policies are usually more coverage for similar cost.
Each powered recreational vehicle should have its own OHV or motorcycle policy. Trying to cover multiple vehicles under RV personal property limits creates significant underinsurance. We can quote the full layered package — RV + each toy — in one conversation.
Portable generators may be covered under personal property limits, or excluded as a vehicle/motor. Permanently installed generators are typically part of the RV unit itself. Check your policy and let us know if you have high-value ancillary equipment.
Standard personal property coverage applies to general gear and camping equipment up to the policy limit. High-value tools may need scheduling. Our layered coverage strategy helps ensure everything has appropriate protection.