Powersports Insurance

Powersports Insurance provides specialized coverage for off-road and recreational vehicles such as ATVs, UTVs, golf carts, dirt bikes, and side-by-sides. These vehicles are fun and functional, but they also come with unique risks that typically aren’t fully covered by homeowners or auto insurance. A dedicated powersports policy helps protect your ride, your passengers, and your financial well-being, whether you're cruising trails, working land, or navigating your neighborhood.

Why do you need it?

Accidents happen—on trails, at campsites, or even on quiet roads in gated communities. Many states or municipalities require insurance for street-legal golf carts or off-road vehicles operated in public areas. Without proper coverage, you could be on the hook for expensive repairs, medical bills, or liability claims. Powersports Insurance offers peace of mind so you can ride with confidence, knowing you’re covered in case of collisions, theft, injury, or damage.

What does it cover?

A typical powersports insurance policy may include:

Liability Coverage – Protects you if you’re responsible for injuries or property damage while using your vehicle.
Collision Coverage – Pays to repair or replace your vehicle after an accident, regardless of fault.
Comprehensive Coverage – Covers non-collision incidents like theft, fire, vandalism, or storm damage.
Medical Payments – Helps cover medical expenses for you and your passengers after an accident.
Uninsured/Underinsured Motorist – Covers your losses if you're hit by someone without adequate insurance.
Accessory Coverage – Protects custom parts, racks, winches, GPS systems, and other upgrades.

Coverage options can be tailored based on your vehicle type, how it’s used (recreation, work, or both), and where it’s operated.