ATV & Off-road Insurance That Keeps You Riding Confidently
Trusted by Recreational Riders & Agricultural Operators Alike
Our specialized knowledge of off-road vehicles translates into comprehensive protection for every type of rider and usage.
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Fort Collins owned & operated since 1992
Off-road Insurance: Your Safety Net When Terrain Gets Unpredictable
Nobody plans for accidents or theft, but proper coverage ensures these unexpected events won't derail your finances or lifestyle.
The Trailside Mishap
Miguel was enjoying a weekend ride when his ATV slid on loose gravel, causing minor damage to another rider's vehicle. His liability coverage immediately took effect, covering the $2,800 repair cost for the other ATV. Without coverage, this simple accident would have come directly from Miguel's pocket, but he only paid his $250 deductible and was back riding the next weekend.
When Thieves Strike
The Johnsons stored their side-by-side UTV in their barn over winter. Despite good security, thieves managed to steal it during the off-season. Their comprehensive coverage not only replaced their $12,500 vehicle but also covered the $3,400 in aftermarket accessories they had added. What could have been a devastating financial loss only cost them their $500 deductible, and they were able to purchase a replacement before riding season began.
The Serious Rollover
When Sarah's ATV rolled on a steep incline, she suffered a broken arm requiring surgery and months of physical therapy. Her medical payments coverage covered $9,800 in immediate medical expenses not fully addressed by her health insurance. Additionally, her off-road insurance provided $2,500 toward her lost wages while she couldn't work at her self-employed business. What could have been financially catastrophic became manageable, allowing her to focus on recovery rather than bills.
Building the Right Protection for Your Off-road Lifestyle
Tailor Your Coverage to How You Actually Ride
Different riding styles, vehicles and usage patterns require different protection strategies. Let's find the approach that truly fits your off-road life.
New Rider / First Off-road Vehicle
As you begin your off-road journey, focus on comprehensive coverage that protects against both liability and physical damage. New riders statistically face higher accident risks, making proper protection essential from day one. Consider maintaining lower deductibles initially since you're more likely to experience minor incidents while learning.
Smart moves include taking advantage of safety course discounts, investing in theft prevention for premium reductions, and accurately estimating annual usage to avoid overpaying on your premium. Most importantly, ensure your policy specifically covers aftermarket accessories you add as you customize your vehicle.
Growing Family / Multiple Vehicles
Family off-road adventures require multi-vehicle policies that provide simplified management and substantial discounts. Ensure all potential operators are listed on your policy, as unlisted riders may not be covered in an accident. This stage often involves introducing younger riders to age-appropriate vehicles, making optional safety equipment coverage valuable.
Consider adding umbrella liability protection that extends beyond your base policy limits, especially important with multiple vehicles and riders. Use this opportunity to evaluate seasonal usage patterns and adjust coverage accordingly. Many families benefit from policies that offer flexible coverage during intensive summer use versus winter storage periods.
Agricultural / Professional Use
When off-road vehicles serve as working tools for property management or agricultural operations, standard recreational policies often leave critical gaps in coverage. Your policy should explicitly cover attachments, implements and modifications that support work-related use. Many standard policies exclude business use, so be transparent about how you use your vehicles to ensure proper coverage.
Consider business continuation coverage that provides rental equipment if your vehicle is damaged. Also valuable is coverage that addresses environmental liability from accidental fluid spills or property damage that could occur during work applications. Review coverage boundaries carefully, especially if your riding crosses between recreational and work purposes.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. How do you primarily use your vehicle?
Your usage pattern dramatically affects your coverage needs. Recreational weekend riders face different risks than daily agricultural users or competitive riders. Be specific about how and where you ride, including terrain types, to ensure your policy addresses your actual exposure.
2. What's the full value of your vehicle with accessories?
Standard policies often cover the base vehicle only, leaving expensive modifications and accessories unprotected unless specifically scheduled. Create a detailed inventory with photos and receipts. Typical riders underestimate their accessory investment by 35-40%, leaving thousands unprotected.
3. Where and how will you store your vehicle?
With theft representing over 40% of off-road vehicle claims, your storage and security practices significantly impact both your risk and your premium. Secured, enclosed storage with theft prevention devices not only protects your investment but can reduce your insurance costs by 10-15%.
🚩 Red Flags: When Off-road Coverage Falls Short 🚩
Auto Policy Extensions: Some carriers offer to extend your auto policy to cover ATVs, but these rarely provide adequate protection for off-road specific risks and often exclude riding in certain locations.
Homeowners Policy Assumptions: Many riders mistakenly believe their homeowners policy covers their off-road vehicles. Most policies limit coverage to $1,500 or less and only while on your property – leaving you exposed everywhere else you ride.
Ignoring Accessory Coverage: Aftermarket parts, winches, storage boxes and performance modifications aren't covered under standard policies unless specifically scheduled. The average rider has $2,000-$4,000 in uncovered accessories.
Seasonal-Only Coverage: Canceling coverage during off-seasons leaves your vehicle vulnerable to theft – which accounts for 42% of all off-road vehicle claims and often occurs during storage periods.
Understanding the Economics of Off-road Protection
Quality coverage is more affordable than most riders expect, especially when weighed against the financial risks of inadequate protection.
Cost Comparisons
Vehicle Theft or Total Loss:
With comprehensive coverage: $500 deductible (your cost)
Without coverage: $8,500-$15,000+ (full replacement cost)
Accident with Another Rider/Property:
With liability coverage: $0 out-of-pocket for covered damages to others
Without coverage: $3,000-$18,000+ (repair costs plus potential legal expenses)
Medical Expenses from Accident:
With medical payments coverage: Up to your coverage limits (typically $5,000-$10,000)
Without coverage: Full burden of deductibles, co-pays, and uncovered treatments
The Real World
$200-$300 - Average annual premium for comprehensive off-road vehicle coverage. That's just $17-$25 monthly to protect vehicles that typically cost $8,000-$25,000.
42% of all ATV insurance claims are theft-related, with recovery rates below 35%. Without comprehensive coverage, stolen vehicles almost always represent a total financial loss.
68% of accident claims occur during peak riding months (May-September), but over 30% of theft claims happen during off-season storage, highlighting the importance of year-round coverage.
Less than 29% of riders compare multiple quotes before purchasing coverage, potentially missing substantial savings and coverage improvements available through independent brokers.
Protect Your Off-road Adventures With Confidence
Join over 1,200 riders who trust our personalized approach to finding the right coverage for their unique off-road lifestyle.
FAQs
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