OHV Insurance

If your OHV is financed you will probably be required to have insurance to protect the lender in case it is damaged, destroyed or stolen.  Some states require insurance on some ATVs.  Some off road riding areas require insurance.  Be sure you know the insurance requirements where you intend to operate your OHV.

If your OHV is a "dual-sport" or street legal vehicle you will have to have insure it just like you do any other vehicle operated on public roads.  However, you may want to make sure your policy covers off highway incidents so make sure you agent knows it will be used as a dual-sport vehicle.

Even when insurance is not required it is a good thing to have.  Surprisingly, your home owners liability insurance may cover some OHV incidents, but not always.  Given the tort-happy legal environment we live in, having liability insurance to protect you in case you run into someone else out on the trail can protect you against possibly significant law suits.

Like most vehicle insurance policies, you can usually chose varying levels of coverage.  The greater the degree of coverage, the higher the premiums will be.  Some coverages even include allowances to replace riding gear that is damaged or stolen.  Expect the premiums for comprehensive coverage to be somewhat high because the risk of physical damage to off road vehicles is often considered higher than it is for vehicles only driven on public roads.  The very nature of off-road activities tends to lead to more chances of damage.  

Not all insurance companies offer OHV protection.  You can always check with the provider of your automobile policy but you may have to find another company to get OHV insurance.  I have personally confirmed that both Geico and Progressive offer OHV insurance.  As always, you may able to save money or get better coverage by shopping around for a policy that meets your needs and your budget.

Be properly protected!