Off-road vehicle insurance provides coverage for your toys.

Off-road vehicles aren’t typically covered by home or auto.

If you assume your off-road vehicle is already covered by your existing home or auto insurance policies, you’re in for a big surprise. Many home insurance policies exclude ATVs, dirt bikes, snowmobiles, golf carts, and other vehicles, so you could have to pay out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide.

Policies can be customized to your off-road vehicle and usage.

A specialty policy will usually be custom-made for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you may be able to choose from several components to help keep you and your off-road vehicle safe and secure while you explore. Here are some of the most common types of vehicles that can be covered with insurance:

What does off-road insurance cover?

Collision coverage may pay out for the damage to your off-road vehicle, whether you collide with another vehicle or an obstacle like a fence or tree. Bodily injury and property damage liability components may cover the costs you must pay to other people if you and your off-road vehicle are responsible for the damage. Comprehensive coverage may be obtained to help protect you from the costs associated with the loss or damage of your off-road vehicle if it’s stolen or damaged by severe weather or natural disaster.

Factors to consider when covering your off-road vehicle.

To keep costs lower, consider a policy with a limited mileage allowance each year. You may also be eligible for discounts if you complete a safety course. And if you already have auto insurance or other policy, you may be able to get a multi-policy discount if you add your off-road vehicle.

Are you looking for off-road vehicle insurance to help protect your toys? Contact us to learn more.