Don’t let your off-road adventure turn into a financial nightmare.
When off-roading, many CNY residents assume that their homeowners or auto insurance policies will protect them, but that’s not always the case. Most of these policies have exclusions or limitations for off-road vehicles, leaving you exposed to costly damages and liabilities.
Secure an insurance policy that gives you the composure and freedom to enjoy off-roading without worry.
If you love off-roading CNY’s exquisite backcountry, a specialized off-road vehicle insurance policy that covers your ATV, UTV, dirt bike, or snowmobile is vital. Whether you use your off-road vehicle for recreation, hunting, farming, or racing, you can find a policy tailored to you and your ride.
You can customize your coverage options, choose your deductible, and get discounts for bundling or safety features. You can also get roadside assistance, towing, and rental reimbursement if your off-road vehicle breaks down or gets stolen.
Don’t risk losing your off-road vehicle or facing a lawsuit because of inadequate insurance.
What Our Clients Are Saying
“I always feel confident my insurance needs are covered with Steve and his team. They reach out if they find me a better rate, they clearly review my coverage so I understand, and communication is so easy with them.”
Lizzy Martin
“Steve is easy to work with and incredibly knowledgeable. He explains the details of your policy, highlighting the pros and cons of options. He really helped me to better understand what I was purchasing.”
Erin Wisneski
Education Station
Learn how to choose the right coverage for your needs, how to save money on your premiums, and how to make the most of your benefits. Whether you’re a new or existing client, you’ll find valuable information and tips that can help you protect yourself and your assets.
FAQ
Common Questions and Answers About Your Off-Road Vehicle Policy Options
What is considered an off-road vehicle?
Motorized vehicles not suited for road use. Examples include:
- ATVs (All-Terrain Vehicles)
- UTVs (Utility Task Vehicles)
- Dirt Bikes
- Dune Buggies
- Rock Crawlers
- Snowmobiles
- Rally Cars
Can I insure my off-road vehicle on my home or auto policy?
Your off-road vehicle is best served on its own policy or on a policy with similar vehicles. You'll receive better liability and property coverage while doing so. It is possible to insure certain vehicles on a home policy. However, they are typically excluded from most.
How much is insurance for an off-road vehicle?
Compared to most insurance policies, these are usually inexpensive. A policy for a single ATV or UTV with both liability and damage coverage will start at about $100 per year.
Avoid paying for the wrong off-road vehicle insurance.
Off-road vehicle insurance can give you more than just financial protection. But finding the right insurance policy can be confusing and overwhelming. You may not know what kind of coverage you need, how much it will cost, or where to get it. You may also worry about hidden fees, exclusions, or fine print that could leave you in a bind.
You don’t have to settle for a generic or inadequate insurance policy that doesn’t fit. You can get a policy that is tailored to your off-road vehicle and your lifestyle.
With a local independent CNY insurance agency, you don’t have to settle for inadequate off-road coverage. At Horan, we have the experience, knowledge, and resources to help you find the right policy for your off-road vehicle. we can compare quotes from multiple insurers, explain the coverage options and benefits, and answer any questions you have. We can also help you file claims, make changes, or renew your policy with ease.
Fill out the form to start the journey to worry-free off-roading.