All-Terrain Vehicle Insurance

Off-road fun, without any of the worry.

4, 6 and 8-wheelers, sport, utility, even multi-passenger – American Modern offers coverage for nearly all types of ATVs and UTVs.
Sure, you can add an endorsement to a homeowner’s policy, but that only covers the customer when they are riding on their own
property. For the full off-road experience, a genuine ATV/UTV policy is a must.

Excellent coverage for nearly all types of ATVs and UTVs

  • Sport
  • Utility

*We do not accept 3-wheeled units.

  • Multi-passenger
  • 4-wheel
  • 6-wheel
  • 8-wheel

Boat Policy Highlights

CoverageFull coverage – You are covered for your liability, plus collision damage and comprehensive losses to your ATV.
With full coverage you can add options to your policy.
Liability plus comprehensive – Comprehensive coverage includes protection for theft or damage to your ATV resulting from causes such as a fire or weather, but not collision.
Liability only – You are insured for just the liability requirements of your state. Physical damage coverage to the ATV is not part of the policy.
Loss settlementActual cash value – In the event of a total loss or theft, we will pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.
DiscountsHome ownership – 20% for three years or more of ownership
Claim-free renewal – 3% on first renewal and 5% each successive year
Transferring your policy to us – 10% if no lapse in coverage or 1% if less than a 30 day lapse
Insuring multiple units – 10% if insuring two ATVs or 15% for three or more
Payment OptionsEZPay – Pay through automated monthly installments via credit card or bank account.
2-Pay – Pay half up-front with the balance in a few months.
4-Pay – Pay a quarter up-fronte with an installment due every 60 days.
Full Pay – Pay when coverage begins or on renewal.
Included coverageAccessories – When you purchase full coverage, equipment you add to your ATV that did not come from the manufacturer (as identified by the VIN) is covered separately up to $1,000. You can buy up to $15,000 in coverage.
Optional CoverageTransport trailer – Add physical damage coverage for a trailer designed to transport your insured ATV. A $250 deductible applies.
Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.