Off-road Vehicle Insurance

Standard auto insurance generally does not cover off-road vehicles, and your homeowners insurance may offer limited or no protection for them. A separate off-road vehicle insurance policy may help address these coverage gaps.

Common types of off-road vehicles that may be insured include:

• ATVs (three-, four-, or six-wheel models)

• Golf carts

• Dune buggies

• Dirt bikes

• Snowmobiles

If you own multiple recreational vehicles, we can help you explore coverage options based on how each vehicle is used and the protection it may require.

Depending on the policy and coverage selected, off-road vehicle insurance may provide protection for:

• Bodily Injury and Property Damage Liability: Certain claims involving injuries to others or damage to their property.

• Uninsured Motorist Coverage: Eligible injuries resulting from an accident involving an uninsured rider, subject to policy terms.

• Collision Damage: Covered damage to your insured off-road vehicle following a collision.

• Comprehensive Coverage: Certain non-collision losses, such as theft, fire, or vandalism, including eligible losses while the vehicle is stored.

Coverage availability, exclusions, and limits vary by policy. Contact us to understand which options may suit your needs.