Your off-road vehicle isn’t street legal, so your auto insurance won’t cover it. Also, although it’s your personal property, your home insurance policy probably doesn’t. So what should you do?

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

Not all off-road vehicles are the same, so you might not realize how many of them can be insured by the same type of coverage.

• 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 means staying aware of your surroundings and anticipating the weather and the moves of others around you. If an accident were to happen, off-road insurance could protect you. What does it mostly cover? (Check with us to be sure)

• Bodily injury to someone else or property damage that you accidentally caused while driving your snowmobile, golf cart, or ATV
• Bodily injury to yourself because of an accident with an uninsured rider
• Damage to your snowmobile, golf cart, or ATV caused by an accident
• Theft, fire, vandalism, and other losses even while your off-road vehicle is in storage

Whether used for leisure, sport, or transportation around off-road locations, dirt bikes and other off-road vehicles can be fun for riders of all ages. However, roadway passenger vehicles require extensive auto insurance coverage before they can be operated legally. Therefore, owners of off-road vehicles should consider treating their dirt bikes, motorbikes, and ATVs in the same regard.

In the case of collision, theft, vandalism, or other damage, off-road vehicle owners may want adequate insurance coverage for help with repair or replacement.

The better your insurance, the sooner you will return to your preferred off-road leisurely activity. Of course, no one wants to have an accident, but when it happens, make sure you’re covered.

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