When the weather is nice, there’s nothing like taking out your four-wheeler, ATV, UTV, or side-by-side for a spin! Plus, they can be useful tools if you hunt or own livestock. Regardless of how you use your ATV, you may want to consider an ATV insurance policy. We answer the most common questions that come up both in our office and around the country in the claims departments regarding ATV insurance.

Do I need ATV insurance?

Typically, no, you’re not required to have ATV insurance. However, many state lands and parks require you to have your ATVs insured and licensed if you want to ride in public areas. Even if insurance isn’t legally required, it’s always best to have insurance if you want to ride on public lands.

Are custom parts covered?

Usually customized parts aren’t covered, but you can add custom equipment to most policies. Some policies even include some customer parts and equipment into your base rate. If your ATV is customized, make sure to keep and update all custom parts documentation just in case you encounter a claim.

If you’d like a quote on your all-terrain vehicle, give us a call! Our licensed agents can help you decide what coverage options are right for your situation and budget.

Does home insurance cover ATVs?

Your home insurance policy might provide some coverage, but only if you only ride on your own property. If you want to ride on public property, you’re not covered by your home insurance policy. It’s always best to check with your Trucordia agent to find out how much coverage your policy offers and what circumstances are or are not covered.

Is ATV Insurance expensive?

ATV insurance can be very inexpensive when compared to an auto insurance policy. Of course, cost varies depending on your coverage needs. Talk to your Trucordia agent for a free and easy insurance quote.

Can I get a discount?

The most common discount available would be a multi-policy discount. So, if you insure multiple products with the same company, you may be offered a discount for ATV insurance.