Personal
Off-road vehicle
Coverage for your ATV, quad, or side-by-side, on the trail and off.
What it covers
The essentials, at a glance.
In practiceYour quad injures someone or damages property on a trail, and liability covers the claim your home and auto policies won't.
Not coveredHome and standard auto policies typically exclude ATVs and dirt bikes, which is why this is separate.
In practiceYou roll the machine on a ride (collision) or it is damaged by a storm (comprehensive), and both repair it.
Not coveredWear and mechanical breakdown aren't covered, only sudden accidental damage.
In practiceThe machine is stolen from your trailer or damaged in a fire, and theft, fire, and vandalism coverage responds.
In practiceYou haul the machine on a trailer with extra accessories, and optional coverage extends to those.
Talk to a local broker
Ride knowing you're covered wherever the trail goes.