ATVs and Off-Road Vehicles

For many of us, the best parts of life happen where the pavement ends. Whether you use your ATV for work around the property, for hunting trips deep into the woods, or for weekend adventures on the trails with your family, these vehicles are essential tools for outdoor living. Many people mistakenly believe that their homeowners insurance automatically covers their ATV or UTV. However, most home policies provide very limited coverage, often only if the vehicle is used solely for property maintenance and never leaves your land. To truly protect your investment and your liability, you need a dedicated off-road vehicle policy.

When we sit down to talk about your ATV or side-by-side, we start with where and how you ride. If you are taking your vehicle to public trails or state parks, you are exposing yourself to a different set of risks than if you were just driving in your backyard. Trail riding involves navigating unpredictable terrain, hidden obstacles, and the presence of other riders. Liability coverage is essential in these environments. If you accidentally collide with another rider or damage someone else’s property, you want to know that your insurance will step in to handle the legal and repair costs, protecting your family’s savings.

We also look at physical damage coverage for the vehicle itself. ATVs and UTVs are significant financial investments, and they are built to be used in rugged conditions. This means they are prone to certain types of damage that a standard car might never face. Comprehensive coverage protects you against the things that happen when you aren’t even riding—such as fire, theft, or a tree limb falling on the vehicle while it’s parked in the shed. Collision coverage, on the other hand, helps pay for repairs if you hit a rock, a stump, or another vehicle while out on the trail.

One of the most important aspects of off-road insurance is coverage for the equipment you use to transport your vehicle. Many people forget that while their truck might be insured, the trailer and the ATV sitting on it need specific considerations. I can help you ensure that your entire setup is protected from the moment you leave your driveway until you return home. Additionally, if you have added winches, specialized lighting, or custom cabs to your UTV, we can make sure those accessories are included in your coverage limits so you aren’t out of pocket if you need to replace them.

I also place a high priority on medical payments coverage. Off-roading is a thrill, but it can be physically demanding and accidents can result in injuries. Having medical payments coverage can help pay for the initial costs of an ER visit or X-rays for you or your passengers, regardless of who was at fault. It provides a quick financial cushion during a stressful time.

My approach is to make insurance as rugged and reliable as the vehicles you drive. I want you to feel confident pushing the limits on the trail or getting the hard work done on the farm, knowing that I have your back. We will talk about safety courses you’ve taken—which can sometimes help with your rates—and we will tailor a policy that fits the specific way you use your off-road equipment. With Conner Brown and Shelter Insurance, your outdoor adventures are backed by a neighbor who cares about your safety and your success.