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 policy would cover physical damage.
In addition to the coverages stated above, some off-road vehicle policies also have optional coverage for Equipment, plus helmet and safety apparel coverage.  An off-road policy may also offer Guest Passenger coverage up to the limit purchased. 

Off-road policies are super affordable.  Contact your insurance agent for more information.

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