If you have a penchant for adventure and a love of the outdoors, chances are you own at least one off-road vehicle. ATVs, UTVs, and snowmobiles are big-ticket items here in Wisconsin, offering an exciting means for exploring and traversing rugged terrain and icy surfaces. Whether you use your off-road vehicles for recreational purposes or for work on your land, make sure you protect your investment and yourself with ATV, UTV, and snowmobile insurance from Long & Company.
Home Insurance is Not Enough
Many ATV, UTV, and snowmobile owners mistakenly assume that their vehicles are covered by homeowners insurance. While it may be true that there are certain limited protections available through some home policies, this is not true of them all. Furthermore, any coverage that can be found in a homeowners policy is typically very limited and leaves riders exposed to dangerous financial hazards – particularly for incidents that occur outside the boundaries of a policyholder’s private property.
Instead, riders need personalized coverage designed specifically with ATV and snowmobile owners in mind. These types of policies usually include provisions for many different types of loss, from physical damages to your vehicle to the liabilities you incur as a result of an at-fault accident that resulted in third-party injury or loss.
Choosing a Policy and Coverage
As an independent agency, we offer a local place to ask questions, learn about your coverage options, and compare insurance policies from multiple carriers. We can also get to know your habits as an ATV/UTV or snowmobile owner and the types of risks you may be vulnerable to. This allows us to customize our coverage recommendations and tailor them to fit your needs.
Several factors can affect coverage recommendations, including:
- How often you ride
- Your reasons for riding (work vs. play)
- Where you ride your ATV or snowmobile most often
- The type, age, make, and model of your UTV, ATV or snowmobile
- Whether you carry passengers when riding
- The value of the assets you could lose in a lawsuit
- And more
Off-Road Coverage Solutions
There is no end to the number of hazards ATV, UTV and snowmobile riders face. Bumping along muddy trails may seem like a low-risk pastime, but four-wheeling accidents happen all the time – often resulting in major property damage and injury. The same is true of snowmobiles. Winter weather is the norm in Wisconsin, with more months of snowfall than without. Trudging through several feet of snow is not easy or safe, and driving is not an option. Often, a snowmobile is the only way to traverse snowy slopes during the colder seasons of the year, but even a cold-weather cruiser can present risks to riders.
Often, public trails and courses require riders to carry insurance, but at Long & Company, we recommend coverage for your off-road vehicle regardless of whether you are required to carry it. While we cannot control the challenges you’ll face, we can help you take steps to protect yourself against the risk of financial loss.
A typical off-road vehicle insurance policy could include coverage for:
Collison and Non-collision Damages/Loss
Most snowmobile and ATV insurance policies cover physical damages and loss. This is protection for the value of your vehicle, paying to repair covered damages or compensating you for a total loss. Your policy may cover a wide range of loss events, from collisions and theft to fire and fallen objects. Note that any loss claim you file against your physical damages coverage may be the first subject to a deductible, which is the amount you are responsible for contributing toward the cost of your claim.
Most riders like to ‘tweak’ their off-road vehicles with unique enhancements and after-market upgrades. This equipment can be costly to replace in the event of damage or loss. Talk to your agent about how you can protect ATV and snowmobile enhancements with special equipment coverage.
If you collide with a tree while riding, chances are your ATV, UTV, or snowmobile is going to spend some time in the shop. An OEM parts endorsement can help assure your off-road vehicle is repaired using original equipment manufacturer parts whenever available – not the less expensive generic parts used by many shops.
Third-Party Injury and Property Damages
Regardless of how long you’ve been riding, there is always the possibility that you could make a mistake. If you injure someone or damage someone else’s personal property while operating your ATV or snowmobile, you could be liable for the damages. Make sure you have adequate liability insurance coverage to help pay for repairs and medical bills, as well as litigation expenses and judgments if you are sued.
It may be possible to customize your ATV or snowmobile insurance with additional coverages further. Talk to your agent about protection for towing and assistance, medical payments, trailers that haul your off-road vehicles, uninsured/underinsured coverage, and more.
Oconomowoc ATV/UTV and Snowmobile Insurance Quotes
At Long & Company, we know the needs of off-road vehicle riders and offer personalized coverage selections from multiple Wisconsin insurers. As an independent agency, we help you shop and compare insurance, and we offer our ongoing support and guidance as your needs change over time. We can also help you find ways of saving on coverage and help you uncover valuable discounts that may be available from your insurer.
To find out more about Wisconsin ATV/UTV or snowmobile insurance, and to learn how an independent agent can help you save on the coverage you need, contact our office to request your free quote today.