Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.
Off-road Vehicle Insurance
Exploring the outdoors in your ATV, UTV, dirt bike, or other off-road vehicle is thrilling—but accidents and damage can happen. Off-road vehicle insurance provides the protection you need to enjoy the ride with peace of mind.
What is Off-Road Vehicle Insurance?
This specialized insurance is designed to protect vehicles used off public roads. Standard auto policies typically do not cover off-road vehicles, making dedicated coverage essential for ATVs, UTVs, snowmobiles, and dirt bikes.
Key Coverages
Collision and comprehensive coverage
This coverage protects your off-road vehicle against damage or loss due to collisions, theft, fire, and other covered events.
Liability Coverage
Protects you against claims of bodily injury or property damage you may cause while operating your off-road vehicle.
Uninsured motorist coverage
It protects you against drivers who don't have insurance or don't have enough insurance to cover damages they may cause to you or your vehicle.
Medical payments coverage
This coverage helps pay for medical expenses if you or your passengers are injured while operating your off-road vehicle.
Our experienced agents will work with you to design a Off-road Vehicle Insurance policy that meets your specific needs and budget. We offer flexible policy options, including different coverage levels and deductible amounts, so you can customize your coverage to fit your requirements.
In addition to our standard Off-road Vehicle Insurance coverage, we also offer additional coverage options that can further enhance your protection, including
Protect your vehicle
Off-road vehicle insurance provides financial protection in case of a covered loss or damage, helping you repair or replace your vehicle.
Protection for yourself
Liability coverage can help protect you against claims of bodily injury or property damage you may cause while operating your off-road vehicle.
Legal compliance
Some states require off-road vehicle insurance for certain types of vehicles. Having the right insurance coverage helps ensure you meet legal requirements.
While driving your off-road vehicle, you may meet with an accident and injure other people involved.
Solution
If you have an accident and you’re found liable for someone else’s injuries, bodily injury liability coverage may help cover that person’s medical bills.
Property damage to others coverage
Risk Factors
While driving your off-road vehicle, you may meet with an accident and damage someone’s personal property.
Solution
If you accidentally cause damage to someone else’s property, such as a fence or vehicle, property damage liability coverage may help pay for repairs.
Collision with fallen tree coverage
Risk Factors
Off-road terrain can be quite dangerous and you may end up having a collision with a tree which may damage your vehicle.
Solution
If you hit a fallen tree, collision coverage may help cover the cost of repairs to your vehicle.
Collision with others coverage
Risk Factors
There might be instances where you have a collision with another off-road vehicle and end up damaging the vehicles.
Solution
If you hit another off-road vehicle, collision coverage may help cover the cost of repairs to your vehicle.
Personal Possessions Coverage
Risk Factors
You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.
Solution
With personal possessions coverage, lost jewelry is covered up to your policy limits.
