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Off-Road Vehicle Insurance
No road, no problem
Protection shouldn't stop
where the pavement ends.
All-terrain vehicles (ATVs), four wheelers, utility terrain vehicles (UTVs), side-by-sides, dune buggies, golf carts— all provide hours of fun.
That fun can quickly fade to fear when the unexpected happens.
While you can't always control what happens, you can have reassurance in knowing how your insurance will react and who will be there for you on your worst day.
Most homeowners insurance policies do not cover off-road vehicles, especially once the vehicle is driven off your property.
Fortunately, many insurance companies offer standalone off-road vehicle insurance policies.
As an independent agency, we have access to many excellent companies with some of the best rates around.
We evaluate your specific situation, and then match you with the best company for your individual needs.
We strive for the best coverage, at the best value, with the best service, every time!
Covers the costs associated with injuries and property damage you are responsible for if you cause an accident.
The liability limits selected should be high enough to shield your personal assets (property, savings, investments, etc.)
Having inadequate liability limits can lead to financial ruin if you are held liable for an accident. All of your assets and even future wages could be at risk.
Covers the costs associated with injuries and property damage you sustained in an accident not caused by you if the person who caused the accident does not have enough insurance or does not have insurance at all.
Covers the costs to repair or replace your damaged or destroyed vehicle after an accident, minus your deductible.
The collision deductible you choose can have a significant impact on the amount you pay each month vs how much you'll pay in the event of an accident.
A higher deductible will lower your monthly cost, but will leave you with higher out-of-pocket expenses after an accident.
Also known as "other than collision," this covers damage to your vehicle from hazards like animal collision, hail damage, and other forms of weather related damage.
Like collision coverage, the deductible you choose can have a significant impact on how much you pay each month vs out-of-pocket expenses.
Your comprehensive deductible can often be different than your collision deductible. Contact us to find out more.
Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
This coverage is very easy to access and exists to help avoid a larger liability situation (x-rays and ER visits are typically less expensive than a lawsuit).
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