ATVs, UTVs, trail bikes, golf carts, mopeds, snowmobiles, and other recreational or specialty vehicles can be a lot of fun—but they also create risks that may not be covered by a standard auto or homeowners policy.
Willard Insurance Agency can help you find coverage designed for the way you use these vehicles, whether they are driven on private property, trails, neighborhoods, farms, campgrounds, or other eligible areas.
Many vehicles fall outside the typical personal-auto category. Coverage availability varies by carrier, vehicle type, and how the vehicle is used.
Coverage may be available for eligible all-terrain vehicles used for recreation, hunting, trail riding, or property use.
Specialty insurance can help protect utility terrain vehicles used for recreation, farms, acreage, or other eligible uses.
Off-road motorcycles and trail bikes may need separate coverage for liability and physical damage.
Golf carts used in communities, campgrounds, private property, or approved roads may require specialty coverage depending on use.
Certain mopeds, scooters, and similar vehicles may need coverage outside a standard personal-auto policy.
Coverage may be available for snowmobiles and other eligible specialty vehicles depending on the carrier and location.
Can help protect you if you are legally responsible for bodily injury or property damage while operating a covered vehicle.
May help pay for covered damage to your vehicle after a collision, subject to the deductible and policy terms.
Can help protect against eligible non-collision losses such as theft, vandalism, fire, weather, or falling objects.
May help in certain situations when an at-fault driver has little or no insurance, if available for the vehicle type.
Some policies may allow coverage for eligible permanently attached accessories or added equipment, subject to limits.
Depending on the vehicle and carrier, certain assistance options may be available for breakdowns or towing.
Premiums can vary based on the type of vehicle, how it is used, where it is stored, and the coverage selected.
Specialty and recreational vehicles can fall into coverage gaps if they are not specifically insured. Reviewing the vehicle, where it is driven, and how it is titled or registered can help determine the right policy.
Willard Insurance Agency can help you compare coverage for ATVs, UTVs, golf carts, trail bikes, mopeds, snowmobiles, and other eligible specialty vehicles.
