Liability
Injury and property damage caused while riding, on and off your property.
Personal Insurance
ATV and UTV insurance for off-road.
A homeowners policy may cover an ATV on your own land. It usually stops the moment you take it anywhere else.
ATVs, UTVs and side-by-sides fall into a gap that catches owners out regularly. Homeowners policies often provide limited liability cover while the machine is on your own property and exclude it everywhere else — which is precisely where these vehicles get used.
On your land, and everywhere else
Riding on public land, at a park, on a lease or on a friend's property generally falls outside any homeowners extension. A dedicated policy follows the machine wherever it is ridden.
Passengers matter too. Side-by-sides carry people, and injury to a passenger is a liability claim that homeowners cover is unlikely to answer once the machine is off your own land.
What it covers
The parts of a atv insurance policy
Physical damage
Collision, comprehensive and theft on the machine itself.
Passenger injury
Relevant for UTVs and side-by-sides carrying riders.
Accessories
Winches, racks, plows and aftermarket additions.
Working with us
What we do differently
We are an independent agency, so we place your atv insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Do not assume homeowners cover extends off your own property
- Insure accessories and attachments separately from the base machine
- Check whether the policy covers riders other than the named owner
Common questions
ATV Insurance, answered
Does my homeowners policy cover my ATV?
Often only while it is on your own property, and sometimes not at all. Riding anywhere else typically falls outside the policy, which is why a dedicated ATV policy exists.
Do I need insurance for an ATV in Texas?
There is no general state requirement for private land use, but public land, leases and organised riding areas frequently require proof of liability cover.
Are passengers covered?
On a policy written for a UTV or side-by-side, passenger liability can be included. It is worth confirming, since carrying passengers is the norm for these machines.
Related cover
Often arranged alongside this
Motorcycle Insurance
Texas requires the same liability minimums as a car. What a bike needs beyond that is quite different.
Read moreBoat Insurance
Homeowners policies cover small boats to a token limit. Anything with a real engine needs its own policy.
Read moreRV Insurance
An RV is a vehicle when it is moving and a home when it is parked. The policy has to handle both.
Read moreReady for a atv insurance quote?
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