Some Home Owners Insurance policies may cover certain liabilities associated with your ATV, but you will need to obtain an actual ATV insurance policy to ensure you have the coverage you need.
An ATV “all terrain vehicle” is sometimes referred to as a four-wheeler or a UTV (utility vehicle). These vehicles are meant for off-road riding.
Some of the things ATV’s may be used for include:
- Riding just for fun
- Snow Plowing
- Killing Weeds
- Field Plowing
- Lawn/Field Mowing
- Seed/Salt/Rock Spreading
- Lawn Raking
- Transporting Material
The cost of an ATV can range anywhere from $1500 for a used vehicle, up to more than $13,000 for a brand new model. When you spend that much on a vehicle, you want to make sure you have insurance to cover the vehicle itself. Liability coverage on an ATV is used in case of potential accidents or injures. Believe it or not, a lot of people get injured while riding or driving ATV’s.
You may also want to make sure you have “theft” coverage on your ATV because, from my experience, they are stolen quite often (especially if you live within city limits). Bundling or packaging your ATV insurance with a Home Owner’s, farm insurance, or even an auto insurance policy, may save you money.
Call for a quote and get your ATV insured with an reputable insurance carrier today – 614-642-0941