ATVs and off-road vehicles provide unmatched adventure, but they also carry unique risks that standard auto insurance does not cover. From trail riding to farm work, Insure USA, Inc. helps Florida ATV owners find the right coverage to protect their vehicles, passengers, and property.
What Does ATV Insurance Cover?
- Bodily injury liability if you injure someone while riding
- Property damage liability for damage caused to others’ property
- Collision coverage for damage to your ATV in an accident
- Comprehensive — theft, fire, vandalism, and storm damage
- Medical payments for rider and passenger injuries
- Uninsured motorist coverage on applicable trails
- Coverage for custom parts, accessories, and gear
- Guest passenger liability for passengers on your ATV
Does Homeowners Insurance Cover ATVs?
Most standard homeowners policies cover an ATV only while it is on your property and being used for farming or maintenance. The moment you ride off your property, take it to a trail, or loan it to a guest, most homeowners policies exclude coverage. A dedicated ATV policy fills this gap.
What Types of ATVs Can We Cover?
We can insure a wide range of off-road vehicles including four-wheelers, side-by-side UTVs (utility terrain vehicles), three-wheelers, dirt bikes, and golf carts. Whether your ATV is used for recreation, farming, or both, we can find a policy that works for your use.
Get ATV Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare ATV Insurance options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.