Off-Road Vehicle Insurance vs Coverage as Part of Homeowner's Policy
Photo: Courtesy of Mikhael Mayim @pexels.com If you have an ATV, Side-by-Side, Golf Cart, Dune Buggy, or other off-road vehicle, some coverage may be provided on your homeowner policy. So why buy off-road vehicle insurance? Home policies typically have restrictions based on vehicle maximum speed, engine size, usage and value. Liability coverage may exist, but only on the residence premises. Extra coverage for off-premises use may be available for an additional premium on your home policy, but not all vehicles are eligible. Medical payments coverage on the off-road policy is primary, and will pay in the event of a loss before any other insurance is applied. Medical coverage option (for off-road vehicles) is not usually offered on home policy packages. Physical Damage coverage is for direct and accidental loss for many kinds of claims (weather, collision). Usually, a separate policy must be purchased for this coverage, over and beyond the homeowner policy. An off-road po...