Recreational Vehicle
& ATV Insurance
If It Kicks Up Dust — We’ll Help You Cover It.
From pasture rides to weekend mud runs, your off-road vehicles deserve solid protection. We insure all kinds of recreational vehicles — from 4-wheelers to side-by-sides, UTVs, and off-road buggies.
Whether it’s for work, play, or a little of both, we’ll help you get coverage that fits how and where you ride — no guesswork, no pressure.
What’s Covered with ATV & Off-Road Insurance?
Coverage that fits how you ride — not just what you ride.
Not all recreational policies are created equal — and a lot of folks don’t realize their homeowners or auto policy doesn’t cover their ATV. We’ll walk you through what’s needed, what’s optional, and what makes sense for your lifestyle.
Why Choose Us
ATV and off-road insurance isn’t something you buy off a shelf — especially around here, where folks use their vehicles in all kinds of ways. Here’s why people trust us:
- We understand how rural Texans use recreational vehicles — for both fun & function
- We compare multiple companies to help you find the right mix of price & coverage
- We explain everything in plain English — no “insurance speak”
- We’re local, so if you ever have a question or claim, you’re not calling some faraway 800-number
What's Covered:
- Collision coverage – Helps pay for damage if your ATV or UTV hits something — or flips, rolls, or collides off-road.
- Comprehensive coverage – Covers fire, theft, vandalism, and storm damage when your ATV isn’t in use.
- Liability coverage – Protects you if you cause injury or damage while riding — on or off your own land.
- Uninsured/underinsured motorist – Covers you if another rider causes an accident and doesn’t have proper coverage.
- Trailer & transport coverage – Add protection for how you haul it — especially useful for long hauls to hunting leases or riding trails.
- Optional gear coverage – Helmets, goggles, tools, winches, and upgrades — we can help you cover more than just the machine.
FAQs
Common questions from riders like you.
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Is ATV insurance required in Texas?
If you’ve got a mortgage, it’s probably required. Even if it’s not, home insurance is a smart move — it helps protect your biggest investment.
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Does my homeowners policy cover my ATV?
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Can I bundle this with auto or RV insurance?
Yes! Bundling often saves you money, and it keeps everything in one place. We’ll help you look at your options.
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Do you insure side-by-sides and UTVs?
Absolutely. Let us know what you ride, and we’ll help get it covered.
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Is coverage expensive?
Usually not! Most policies are pretty affordable — and we’ll help you find the best rate without cutting corners.