Fractional Toys offers insurance for Motorhomes only through MBA insurance. Insurance for all other toys may be secured through your personal agent, if eligible, otherwise the unit’s damage is subject to the security deposit, and/or if repairs are beyond the security deposit, or if the unit is considered totaled. In this case, the customer will be required to pay the value of the unit and any future rentals Fractional Toys is committed to during the down time and replacement of the unit.