Off Road Vehicle Insurance
Coverage for ATVs, UTVs, and other off-road vehicles — on the trail, on the ranch, or hauled out to Texas backroads.
Coverage highlights
- Physical damage coverage for ATVs, UTVs, and similar off-road vehicles
- Liability coverage if you injure someone or damage property while riding
- Coverage for accessories and aftermarket upgrades
- Options for ranch, trail, and recreational use
- Bundling discounts when you add auto, home, or motorcycle coverage
Why it matters here
From ranch work in rural Texas to weekend trail riding, off-road vehicles see plenty of use across the state — and most homeowners policies don't cover them once they leave your property. We help Texas riders and ranch owners get coverage that matches how the vehicle is actually used.
FAQ
Does my homeowners policy cover my ATV or UTV?
Only in limited cases, and usually only while it's on your own property. Once it leaves your property — on a trail, a neighbor's land, or a ranch — a dedicated off-road vehicle policy is what actually covers it.
Do I need insurance to ride an ATV in Texas?
Texas doesn't require insurance for most off-road-only vehicles, but liability coverage is strongly recommended given the injury and property-damage risk involved in off-road riding.
Are accessories and upgrades covered?
Many policies allow you to add coverage for aftermarket parts and accessories — let us know what you've added and we'll make sure it's reflected in your policy.