Side-by-Side / UTV INSURANCE
Off the pavement. Not off the policy.
Trail weekends. Fence-line chores. A machine that works as hard as it plays.
WHO IT’S FOR
Built around your life.
Side-by-side and ATV owners riding trails, working private acreage or transporting their machines to the next adventure.
What it typically covers
- Liability for eligible riding accidents
- Collision protection for eligible crashes and rollovers
- Comprehensive coverage for eligible theft, fire and vandalism
- Options for winches, cabs, light bars and other accessories
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
Your home policy may give little or no protection away from your property.
02 / WORTH A CONVERSATION
Farm work, passenger use and public-road operation need to be disclosed.
03 / WORTH A CONVERSATION
A hauling trailer and added accessories may need separate listing.
STRAIGHT ANSWERS
A few things you might be wondering.
Is my UTV covered by my home policy?
Do not assume so. Limited on-premises coverage may not apply to recreational use or riding away from home. A dedicated policy can address those needs.
Can I insure my accessories?
Often yes. Bring a list of modifications and their values — upgraded tires, winches and cabs can add up quickly.
What about street use?
Road-use eligibility varies by location, vehicle and policy. Local permission to drive on a road does not automatically mean your insurance covers it.
Let’s talk side-by-side / utv.
Tell us what matters. We’ll help you find the right fit.