ATV’s and Snowmobile Insurance

Do I need insurance on my ATV or Snowmobile?

ATV’s and snowmobiles are great toys to get out and enjoy the outdoors. Spending your time riding can open you up to liability risks so making sure you have a policy that protects you is important so you can focus on riding your machine.

Does homeowner’s insurance cover your ATV or snowmobile?

While a homeowner’s policy may offer some endorsements to find coverage for these items, there may be multiple kinds of restrictions, that could seriously limit your coverage. The best practice is to make sure that you have a policy that specifically lists the vehicle you want to have coverage on to avoid possible gaps in coverage.

ATV/snowmobile insurance: What’s covered

Typical coverages included are:

  • Personal liability
  • Physical damage for the machine
  • Accessories for the machine
  • Medical coverage for riders

ATV/Snowmobile insurance discounts spoken here

We also work with carriers who provide insurance discounts. Here are a few ways you may be able to save:

  • Own your home
  • Insure multiple vehicles
  • Bundle other kinds of insurance
  • Are the original owner
  • Paid your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on ATV/snowmobile insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Why We're Different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.