Learn All About ATV Insurance

An All Terrain Vehicle (ATV) can be an essential part of your farm or ranch for checking fence lines, moving supplies or navigating rough terrain or can be a fun recreational activity. Having the right insurance coverage in place can help safeguard your ATV and give you confidence that you’re prepared for unexpected events. 

What Is ATV Insurance? 

ATV insurance is designed for off-road vehicles used for work, recreation or property maintenance. What does ATV insurance cover? Depending on the policy, coverage may help protect against vehicle damage, liability claims and other unexpected expenses. Coverage options may vary based on how the ATV is used and where it is operated. 

Do I Need ATV Insurance?

ATV insurance may be worth considering whether you use your vehicle for farm work, ranch tasks or recreation.  Insurance needs can vary based on factors such as the ATV’s value, how it is used, and the risks associated with its operation. Even if coverage is not required, it can provide valuable financial protection against accidents, damage, and other unexpected losses.

Along with carrying the right coverage, practicing ATV safety while doing your chores or going for a ride is an important step to reducing the risk of an accident and protecting your vehicle. 

What Other Insurance Might Apply to an ATV? 

Some ATV owners may wonder whether other insurance policies provide coverage for ATV-related incidents. For example, does health insurance cover ATV accidents? Will auto insurance cover damage in an ATV accident? Does homeowners' insurance cover ATV theft? In many cases, these policies may offer limited coverage or may not cover certain ATV-related losses at all. Reviewing your policies with your Farm Bureau agent can help you better understand your existing coverage and identify where ATV insurance may fill important gaps. An annual policy review with your Farm Bureau agent is a good opportunity to discuss your ATV coverage needs and ensure your protection keeps pace with changes to your farm, ranch or recreational activities. 

Help Protect the ATV You Rely On 

Whether your ATV is used for work or recreation, the right insurance can help protect your investment. A Farm Bureau agent can help you review your options and choose coverage that fits your needs.