Recreational insurance

What does recreational insurance cover?

It covers the toys standard policies exclude: ATVs, UTVs, golf carts, and other recreational vehicles — against collision, theft, vandalism, and liability if someone's hurt. Homeowners and auto policies typically leave these gaps, which is exactly what recreational coverage fills.

Do I need separate insurance for my ATV or UTV?

Yes, in most cases. Your homeowners policy generally excludes motorized recreational vehicles, and your auto policy won't cover off-road use. A dedicated policy covers collision, theft, and liability on trails and your property — usually for a modest premium.

Does recreational insurance cover me off my property?

That depends on the policy — many cover riding on trails, parks, and other permitted areas, not just your land. Tell us where you ride and we'll make sure the coverage territory matches. Liability coverage is especially important once you leave your own property.

How much is ATV/UTV insurance?

Typically a few hundred dollars per year, depending on the vehicle's value, how you use it, and your liability limits. It's inexpensive relative to the cost of replacing a $15,000+ side-by-side out of pocket.

Can I bundle recreational insurance with my other policies?

Often, yes — many carriers offer multi-policy discounts when you add recreational vehicles to your auto or home package. Bundling also keeps all your coverage dates and billing in one place. We'll check every discount you qualify for.