Enjoy your toys on the trail knowing you’re covered with off-road vehicle insurance.
Off-road vehicles aren’t typically covered by home or auto.
It is a common misconception that your off-road vehicle is automatically protected under your current home or auto insurance policies. However, many homeowners' insurance policies specifically exclude coverage for ATVs, dirt bikes, snowmobiles, golf carts, and similar vehicles, which means you may face significant out-of-pocket expenses in the event of theft or damage. Furthermore, standard auto insurance policies generally do not extend coverage to these types of vehicles due to the distinct risks associated with off-road driving. Therefore, it is essential to seek specialized protection for your off-road vehicle that goes beyond the scope of your existing auto or homeowners insurance.
Policies can be customized to your off-road vehicle and usage.
A specialty insurance policy is typically tailored specifically for your off-road vehicle and its intended use. Similar to standard automobile or truck insurance, you may have the option to select from various components designed to ensure the safety and security of both you and your off-road vehicle during your adventures. Below are some of the most prevalent types of vehicles that can be insured.
- ATVs
- Camping Trailers
- Dirt Bikes
- Dune Buggies
- Golf Carts
- Rock Crawlers
- Snowmobiles
- UTVs
What does off-road insurance cover?
Collision coverage can provide financial compensation for damages incurred to your off-road vehicle, regardless of whether the incident involves another vehicle or an object such as a fence or tree. The bodily injury and property damage liability aspects of your policy may cover expenses you are liable for if you are deemed responsible for causing harm to others or their property while operating your off-road vehicle. Additionally, comprehensive coverage can be acquired to safeguard against expenses related to the theft or damage of your off-road vehicle due to severe weather conditions or natural disasters.
Factors to consider when covering your off-road vehicle.
To reduce expenses, it is advisable to select a policy that includes a restricted annual mileage limit. Additionally, completing a safety course may qualify you for discounts. If you currently hold auto insurance or another type of policy, you might be eligible for a multi-policy discount by incorporating your off-road vehicle into your coverage. If you are seeking insurance for your off-road vehicle to safeguard your recreational assets, please reach out to us for further information.