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Ride Every Trail With Confidence
Whether you own a Polaris, Can-Am, Honda or Kawasaki, ATVs and UTVs are powerful machines that can cause serious injuries and property damage. Many homeowners policies offer limited coverage for them away from home.
Options for Every Rider
We compare insurance companies to match coverage to your machine, how you use it and who rides it.
Real People, Real Help
Our licensed agents help you understand your options and find coverage that fits your riding and your budget.
What ATV & UTV Insurance Covers
Coverage for your machine, your add-ons and your riders.
✓ Liability
Covers injuries and damage you cause to others.
✓ Collision
Repairs your ATV after a rollover or crash.
✓ Comprehensive
Theft, fire, vandalism and storm damage.
✓ Accessories
Winches, plows, racks and other add-ons.
✓ Medical Payments
Helps with medical bills after an accident.
✓ Uninsured Motorist
Protects you if an uninsured rider hits you.
How We Quote Your ATV & UTV Insurance
We take a consultative approach with every ATV and UTV insurance policy and every company we quote.
01
Find the right company
First, we compare the insurance companies we work with to find the best fit for your ATV, how you ride and your budget.
02
Advise you on coverage
Next, we walk you through liability, collision, comprehensive, medical payments and accessory coverage, and explain what each one does in plain English.
03
You choose what goes on the policy
We only apply the coverages you want, after we have advised you. No pressure, and nothing added that you did not ask for.
SPECIALTY INSURANCE COMPANIES WE WORK WITH
ATV & UTV Insurance FAQs
Straight answers to the questions ATV owners ask us most.
Does homeowners insurance cover my ATV?
Usually only in limited ways, and often only on your own property. An ATV policy can cover theft, damage and liability on trails and at riding areas.
Can I cover a side-by-side or UTV?
Yes. We quote ATVs, UTVs, side-by-sides and utility vehicles used for recreation or for work around your property.
Can I cover attachments like a plow or winch?
Yes. Ask us about accessory coverage for plows, winches, racks, lights and other add-ons.
