Powersports Insurance

Off Road Vehicles are becoming increasingly popular, and come in a variety of different models. Most insurance companies have a different set of rules for off road units. We specialize in all manner off road vehicles including:

• ATVs & UTVs (including side by sides)

• Dirt Bikes

• Dune Buggies

• Golf carts

• Snowmobiles

Do I need Insurance?

  • Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other public parks in Ohio, Kentucky, Indiana & Michigan require specialty vehicle riders to be properly insured.
  • Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.

  • If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.

  • Every specialty vehicle policy is unique, but here is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies.

What does it cover?

  • Physical damage coverage – pays for covered damage to your vehicle when in a collision with another vehicle and other things like fire, theft, or vandalism.

  • Property damage liability coverage – insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

  • Bodily injury liability coverage – insures you against certain damages if you injure someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
  • Accessories – We get it, these vehicles get modified! We will protect the aftermarket accessories you have put on your vehicle.

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