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Off-Road Vehicle Insurance

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Are Off-Road Vehicles Covered by Home or Car Policies?

If you are preparing for an off-road adventure, whether it’s a week-long camping trip or just a day trip, make sure your vehicle is covered. Many homeowners and car insurance policies exclude ATVs (four-wheelers), UTVs, snowmobiles, dirt bikes, and the like, so you could get stuck paying large out-of-pocket costs if your off-road vehicle is stolen or damaged.

At MSIG, we’ll help keep you and your off-road vehicle safe and secure while you hit the trails.

Policies Can Be Customized to Your Off-Road Vehicle and Usage

A specialty 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.

What Does Off-Road Insurance Cover?

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 the 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 damaged by severe weather or natural disaster.

Factors to Consider When Covering Your Off-Road Vehicle

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.

To learn more about obtaining off-road vehicle insurance for your ATV, UTV, snowmobile, dirt bike, or another off-road vehicle, request a free quote below, and an MSIG insurance specialist will walk you through your options.

Off-Road Vehicle Insurance - Father and Son Using ATVs

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As an independent agency, we are here to help you find the right coverage.