Adventure Without Limits,
Coverage Without Gaps
Protection for every drive, ride, and getaway - Insure with You!
01
Comprehensive Coverage for All Vehicles
Whether you own an ATV, snowmobile, RV, or other recreational vehicle, our policies cover a range of vehicles for maximum adventure and peace of mind. With tailored options, you'll be protected no matter the terrain.
02
Flexible Coverage Plans
Customize your policy to suit your needs, whether you're using your vehicle year-round or seasonally. We offer options that adapt to your lifestyle, helping you save money while keeping you protected when you need it most.
03
Accident and Breakdown Assistance
We provide specialized coverage for off-road incidents and accidents, plus roadside assistance that extends beyond standard auto insurance. Our support is available anytime, anywhere you venture.
04
Emergency Coverage
If your adventure gets disrupted due to breakdowns or unforeseen events, our policy helps cover unexpected costs like lodging, transportation, and repairs, so you can get back on track without added stress.
Recreational Vehicle Safety Tips
ATV and UTV Safety Tips
All-terrain vehicles (ATVs) and utility task vehicles (UTVs) offer thrilling off-road adventures, but safety should always be a top priority. Before riding, ensure your ATV or UTV is in excellent condition by checking the brakes, tires, lights, and fluid levels. Always wear proper safety gear, including a DOT-approved helmet, goggles, gloves, boots, and long sleeves or pants to protect against debris and potential injuries. Make sure passengers wear appropriate gear as well. For UTVs, utilize seat belts and ensure passengers remain seated at all times, keeping hands and feet inside the vehicle.
When riding, choose trails and terrain suitable for your skill level and vehicle type. Always follow the manufacturer’s guidelines regarding weight limits and the number of passengers. Avoid riding on public roads unless explicitly permitted, as most ATVs and UTVs are not designed for street use. Be cautious on slopes or uneven terrain to prevent rollovers, and take corners at a safe speed. Avoid riding under the influence of alcohol or drugs, and never allow children to operate vehicles not designed for their age or size. Finally, take an ATV or UTV safety course to learn proper handling techniques, build confidence, and reduce the risk of accidents while enjoying your off-road adventures responsibly.
Benefits of ATV and UTV Insurance
While safety precautions are essential, accidents can still happen, making ATV and UTV insurance a smart investment. This coverage protects against property damage, theft, and liability claims if you cause injury to others or damage their property. Comprehensive and collision coverage options ensure your vehicle is repaired or replaced in the event of an accident, vandalism, or natural disaster. Additionally, uninsured/underinsured motorist coverage provides financial protection if you’re involved in an accident with someone who doesn’t have adequate insurance. Having insurance for your ATV or UTV not only gives you peace of mind but also ensures you’re financially secure no matter where your adventures take you.
Understanding Seasonal Coverage
Seasonal coverage is a specialized insurance option designed for vehicles or activities that are only used during certain times of the year, such as motorcycles, RVs, ATVs, and boats. Instead of maintaining year-round coverage for a vehicle that spends part of the year in storage, seasonal coverage allows you to tailor your insurance policy to fit your usage. This can help you save money while still protecting your investment during the months when your vehicle is on the road or in use.
During the off-season, seasonal coverage typically suspends portions of your policy, such as liability or collision coverage, since the vehicle isn’t being driven or used. However, comprehensive coverage often remains active to protect against risks like theft, fire, or damage while your vehicle is in storage. This ensures your vehicle is still protected even when it’s not in use. Seasonal coverage is an excellent option for anyone with vehicles that aren’t used year-round, and it’s important to discuss your specific needs with your insurance agent to ensure you have the right protections in place at the right time.