Coverage Options
Hobby Locomotive Business Insurance
Every policy a hobby locomotive business needs — in one place, from specialists who know the trade.
Model Train Collection Insurance
Standard homeowners policies cap hobby collectibles at $1,000–$3,000 with no transit coverage and no agreed value. A serious model train collection easily reaches $10,000–$100,000+. Specialty personal articles coverage protects your collection at its true, agreed value.
Live Steam Locomotive Insurance
Live steam locomotives are the pinnacle of the hobby — and the most underinsured. A single 7.5" gauge locomotive can be worth $20,000–$80,000. Add passenger liability, boiler exposure, and transit risk, and you have a coverage need that no homeowners policy can address.
Garden Railway Insurance
A garden railway lives outdoors, exposed to weather, theft, and visitor risk that standard home insurance handles poorly. G scale equipment and mature layouts can represent $5,000–$50,000 in value. Specialty coverage protects what homeowners ignores.
Model Railroad Club Insurance
Model railroad clubs face significant liability exposure at public exhibitions, open houses, and club operations — and most are underinsured. We place GL, property, and event coverage for formal clubs, NMRA chapters, and garden railway societies.
Train Show & Exhibition Insurance
Train show venues require GL coverage that most exhibitors don't have. We place short-term event policies and annual show coverage for individual exhibitors, clubs, and show organizers — with same-day certificate issuance.
Your $40,000 layout deserves better than a $1,500 homeowners rider.
Get a true agreed-value quote in minutes. Same-day binding, same-day certificates, and 20+ years protecting collectors and hobby railroads.