If you assume your off-road vehicle is already covered by your existing homeowners or car insurance policies, you’re in for a big surprise.

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Many homeowners policies exclude ATVs, dirt bikes, snowmobiles and the like, so you could be 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.

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A specialist off-road vehicle insurance 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 can choose from several components.

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Collision coverage pays 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 cover you against costs you must pay to other people if you and your vehicle are responsible for damage. Comprehensive coverage can be obtained to protect you from the costs associated with the loss or damage of your off-road vehicle if it’s stolen or if it’s damaged by severe weather or natural disaster.

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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.

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To learn more about obtaining off-road vehicle insurance for your ATV, dirt bike, snowmobile or other off-road vehicle, reach out. We can help you to develop unique coverage that works for you!