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Pro Insurance Group

151 Archer Hill Rd. Suite 2
Follansbee, WV 26037

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ATV Insurance

Pro Insurance Group provides insurance policies designed to meet your needs. If you are operating an ATV, we can provide the coverage you need.

Does Homeowner's Insurance Cover My ATV?

The simple answer to this is maybe, sometimes. If the state requires you to register your ATV with the Bureau of Motor Vehicles, your homeowner's policy more than likely provides no protection for accidents or liabilities that occur due to the ATV. If you don't have to register your ATV, homeowner's insurance will likely only provide coverage when you are at the insured location, meaning your property. Some areas now allow your ATV to be ridden on public roads, providing you have a license and the proper insurance. It's easy to see why it's crucial to purchase an ATV policy to enjoy your vehicle thoroughly.

What ATV Coverage Do I Need?

There are two basic types of insurance coverage. Liability coverage will cover damages to someone else's property or injury expenses in the event of an accident. Automobiles are generally required to have liability coverage because losses can quickly add up to more than you can afford to pay. You could find yourself facing legal action, including garnished wages and seizure of assets without the right liability coverage.

ATVs pose similar risks. A few examples of potential liability include:

  • Another party getting injured while on your ATV.
  • You hit another vehicle or person with the ATV.
  • Crashing and damaging someone else's property, including a fence or barn

Comprehensive and collision coverage allows you to protect the investment you have made in your ATV. If it gets damaged in an accident, the policy will cover the costs of repair or replacement. Comprehensive coverage may also cover theft, vandalism, and damage from natural disasters. If you have a loan on your ATV, the lender will likely require full coverage insurance.

ATV insurance can give you the peace of mind to enjoy your vehicle and hit the trails. Protect yourself from potential liabilities and losses by contacting The Pro Insurance Group today.


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