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A beginners guide to ATV, SXS, and UTV Insurance

Buying an ATV means a lot more than just buying another vehicle. It’s your ticket to getting outdoors. It’s a chance to have fun with family and friends, and freedom to explore.

Whether working around your property or having fun on the trail, it is important to keep your ATV protected. While adding your ATV to your homeowner’s policy might seem like a simple solution, it might also leave you with some gaps in coverage. That is where a specific ATV policy can help.


All policies include liability coverage, which protects you financially if you’re responsible for an accident. Then, there are optional coverages.

Here is a list of some of those coverages and a brief explanation of them:

  • Accessory: Some policies include a small amount of accessory coverage, but you can increase that coverage if needed. So, if any of your ATV accessories– from headlights and winches to bumpers and more– if they are damaged during your ride, they can be replaced.

  • Liability: The insurance company will pay if you injure someones or damages someone’s property in an accident. When you buy liability, you choose a limit – the maximum amount the insurer will pay for a liability claim.

  • Uninsured/Underinsured Motorist: The insurer pays to repair damage to your vehicle caused by a driver who does not have insurance.

  • Medical Payments: The insurer pays for the cost of reasonable and necessary medical care you get as a result of an accident, regardless of who’s at fault. In most cases, you can choose up to a $25,000 limit.

  • Transport Trailer: Cover the trailer you use to haul your ride. In most cases, you can choose up to a $10,000 limit.

  • On Road Coverage: Coverage for your side by side or ATV if you decide to take it out on public highways.

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