At some point, all reasonable adults know that they will need insurance (part of "adulting", as Millennials say these days.) They need it to protect their most valuable assets, such as their car, home, and their health. However, insurance covers a wide variety of items, as well. Many people may not be aware of this or even that they should insure them, including things which some may consider "toys". For most of us, "toys" could mean actual toys or anything recreational or not necessary. Of course, unlike dollar store toys, these can cost up to hundreds or even thousands of dollars, which is why it makes sense to insure them.