Whether it’s a snowmobile, ATV, or golf cart, off-road vehicle insurance covers you and your vehicle. Off-road insurance may not generally be required, but if you are driving your ATV in public or state parks, you might be required to have coverage. Regardless of whether or not you are required to have off-road vehicle insurance, it is still good to have. Therefore, it’s important to learn what kind of coverage you can get.
WHAT ARE CONSIDERED OFF-ROAD VEHICLES?
The vehicles that sports leisure/off-road vehicle insurance covers include:
Golf carts
ATVs
Snowmobiles
Dirt bikes
Dune buggies
Camping trailers
COVERAGE FOR OFF-ROAD VEHICLES
First and foremost, you should know that most auto insurance policies do not cover off-road vehicles, but some homeowner’s insurance policies may provide extended coverage. However, this coverage is usually highly limited, so it’s best to look into a separate policy. The general coverage offered for off-road vehicles is similar to what’s offered for regular automobiles. Protection includes:
WHAT DOES OFF-ROAD VEHICLE INSURANCE COST?
As with all insurance policies, the basis of your premium is determined by the amount of coverage you want. For example, a premium will be higher if you choose to have $10,000 in property damage liability coverage than it would be if you elected for $5,000 in coverage.
The type and value of your off-road vehicle may also be a determining factor. For example, an ATV usually comes with more risks than a golf cart, so it might be more expensive to insure.
To get a better idea of how much off-road vehicle insurance will cost, call Allstar Insurance for an insurance quote today!
Contact Us
If you would like to find out more about what Allstar International Group can do for you or to receive a quote, don’t hesitate to contact us. We’d love to hear from you!