Your off-road vehicle isn’t street legal, meaning your auto insurance won’t cover it. Additionally, most home insurance policies do not cover off-road vehicles either. So, what should you do?

Protect yourself and your off-road vehicles with a specialized off-road vehicle insurance policy.

Not all off-road vehicles are the same, but many can be insured under similar coverage. Common off-road vehicles that require insurance include:

* ATVs – 3, 4, or 6 wheels
* Golf carts
* Dune buggies
* Dirt bikes
* Snowmobiles

If you’ve got multiple “toys,” you’ll need an insurance policy to cover you from all angles. For example, the accidents you can get into in a golf cart differ from those on a dirt bike. We can help you choose a policy that covers all your off-road vehicles, no matter what kind you have.

Riding off-road means staying aware of your surroundings, weather conditions, and the movements of others. If an accident happens, off-road vehicle insurance can provide essential protection.

Here’s what an off-road vehicle insurance policy typically covers (check with us to confirm specific coverage details):

* Bodily injury or property damage you accidentally cause while riding your ATV, golf cart, or snowmobile.
* Injuries to yourself caused by an accident with an uninsured rider.
* Damage to your off-road vehicle resulting from an accident.
* Theft, fire, vandalism, and other losses, even when your off-road vehicle is in storage.

Whether you use your off-road vehicle for leisure, sport, or transportation, insurance is a must. While roadway vehicles require auto insurance before they can legally operate, off-road vehicles face just as many risks and should be treated with the same level of protection.

In the event of a collision, theft, vandalism, or other damage, off-road vehicle owners need adequate insurance coverage to assist with repair or replacement costs.

The better your insurance, the sooner you can get back to enjoying your off-road adventures. Accidents happen, but with the right coverage, you won’t be sidelined for too long.

We understand how important it is to unwind and have fun when you work hard for your family. Let us help you insure your adventures so an accident doesn’t slow you down. Contact us today!