ATV Insurance

When you bought your ATV or UTV you were probably thinking of the fun you’d have or the work you’d get done. You likely weren’t thinking about insuring it. Although some states require insurance for an all-terrain vehicle or utility vehicle, not all do. Even if your intent is just to drive it on your own property, here are a few reason why you should consider coverage:

• There’s always the potential for liability. Maybe a passenger gets injured, or someone’s property gets damaged.
• Collisions happen. It may not be another vehicle, it could be a tree stump or a fence that mangles your machine. Insurance can cover your otherwise out-of-pocket repair cost.
• Other things can happen, too, like a fire.

Yes, it’s possible to add an endorsement to your homeowners policy to cover liability exposure, but that only provides limited liability coverage. And you likely can’t extend your auto policy to when you are driving an ATV, UTV, or Side by Side.

Instead, our robust policy gives you all of the coverage options that we offer to a motorcycle. It’s a lot, including an option for replacement cost.

What we cover

Upgrade your policy:

• Increase coverage up to $30,000 for accessories or equipment not provided by the manufacturer.
• Bump up personal effects and safety apparel coverage to $2,500.
• Add coverage for your transport trailer.