ATV and OVR Insurance
An ATV insurance policy will cover you if you ride on or off your property and if you trailer an off-road vehicle to another location. It’s also important to keep in mind that a lot of state-owned and public parks require ATV insurance to ride on their trails. Your ATV may not have coverage in these three areas if it is included under your homeowners or auto insurance policy.
Accessories can include (but are not limited to):
- Plows
- Cab systems
- Windshields
- Storage bags/racks
- Custom seats
- Helmets
- Riding gear (if used exclusively with the off-road vehicle)
Can I get a quote for ATV Insurance before I Purchase my Vehicle?
Absolutely! It’s always smart to do your homework before making a big purchase like an off-road vehicle
Here are important questions to ask when looking at the risks of ATV-Off road vehicle insurance:
Does your vehicle have a license plate? Many of the newer side by sides, and some off road ATV’s, have the ability to be plated. If so, they require proper insurance coverages just like your automobile.
Do you have enough coverage to pay for the large medical bills if you or a guest is enjoying your off-road vehicle and something goes wrong?
What happens if the trailer I’m using to haul my vehicles has a problem, will our roadside service help with that tow?
What is my off-road vehicle worth, can it be insured for how much it would cost me to replace it?
These are all questions we can assist with, and help you come up with a cost-effective solution with the coverage you need.
