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We do not accept 3-wheeled units.
It’s simple. Although you can easily add an endorsement to your homeowners policy, doing so only covers you when you are riding on your own property. If you ride anywhere else, you need to protect yourself with a genuine ATV/UTV policy.
Home ownership – 20% for three years or more of home ownership
Claim-free renewal – 3% on first renewal and 5% each successive year
Transferring your policy to us – 10% if no lapse in coverage or 1% if less than a 30-day lapse
Insuring multiple units – 10% if insuring two ATVs or 15% for three or more
Actual cash value settlement – In the event of a total loss or theft, we will pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.
Accessories – When you purchase full coverage, equipment you add to your ATV that did not come from the manufacturer (as identified by the VIN) is covered separately up to $1,000. You can buy up to $15,000 in coverage.
Transport trailer – Add physical damage coverage for a trailer designed to transport your insured ATV. A $250 deductible applies.
Replacement cost – Coverage starts at $1,000 and can be increased up to $10,000
Automate monthly installments with EZPay, or pay by check or credit card, either in full, two or four payments.
Maintaining an ATV can be involved, but before you ride, check these six essentials.Keep reading