Off-Road Insurance
Affordable Off-Road Vehicle Insurance
What does Off-road Vehicle Insurance cover?
Accidents can happen and you should be protected. An off-road vehicle is used on dirt or non-asphalt trails such as an ATV, bikes, or snowmobiles. It includes bodily injury and property damage. You can also include collision, comprehensive, medical, and underinsured/uninsured insurance coverage.
Is Off-road Vehicle Insurance required by law?
Some states do require it by law, but if you want to use public trails, some require having insurance before use. Insurance regulations differ by state, check your state laws for more information.
Does Homeowners Insurance cover an off-road vehicle?
In most cases, homeowners insurance does not extend and frequently excludes coverage of off-road vehicles and off-road injuries. However, some home insurance personal liability coverages will provide protection with exceptions. Ask your insurance representative if you are covered.
Are customizations you make to your off-road vehicle covered?
Customizations on an off-road vehicle complicate the coverage. Changes to your vehicle can alter your policy and limits, but your carrier may exclude anything that is not OEM parts. If any updates are made, inform your carrier to see if you can get coverage.
Save Time and Money with Lia Insurance
If you need off-road vehicle insurance and are looking to get a quote on a new insurance policy or simply want to talk to a licensed agent about your current policy, give Lia Insurance Agency a call today. We do the hard work for you and shop for different off-road vehicle insurance carriers to find the best deal for you! It is better to have insurance coverage and not need it than to need it and not have it. Let us protect you.