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ATV insurance for All Terrain Vehicles, MUV, Side by Side, Golf Carts, Quads, from Artic Cat, Dinli, E-Ton, Honda, John Deere, Kawasaki, Kymco, Polaris Suzuki and Yamaha.
An explanation of the types of units and uses of insurance coverage offered by some companies and the reasons to insure them! For additional info call us for details.
The popularity of ATVs has led to models for sport riding from the forest to the sand dunes, racing motocross or cross country and utility for farm, ranch and hunting leases. Side by side models (golf cart style) for less aggressive terrain and some have six wheels for bogs or semi-amphibious use.
An ATV rider might be tempted to have the homeowners insurance cover the unit but basic Liability and Comprehensive insurance coverage at home, farm and ranch does not extend to the transport of the ATV, on a trailer, hunting lease, race track or the forest. Liability insurance coverage is for bodily injury and property damage, to others, while on the ATV and Comprehensive insurance coverage is theft, fire, flood and vandalism for the ATV. Collision coverage pays to repair your ATV, if there is a collision between two ATVs, an ATV and an auto or an ATV and a tree, and is not available thru a homeowners policy. Also, many of the accessories will not be covered by homeowners in the event of theft, vandalism, fire or flood.
Finally, full coverage insurance, Liability, Comprehensive & Collision may be mandatory if there is a lien holder, such as a bank or credit union. Full coverage insurance policies are between $150 to $700 but Liability and Comprehensive (theft) is typically between $95 and $250 per year. Not a bad investment to insure a $7,000 unit.
A Partial list of ATVs.
Artic Cat - DVX 90, DVX 250, DVX 400, Prowler XT 650, Prowler XT 700, ThunderCat 4x4, TRV 500, TRV 650, TRV 700.
Honda - (new for 09) Big Red, FourTrax Rincon TRX 680, FourTrax Foreman Rubicon TRX 500, FourTrax Foreman TRX 500, FourTrax Rancher TRX 420, FourTrax Recon TRX 250, TRX 90, TRX 250, TRX 300, TRX 400, TRX 450, TRX 700.
John Deere - Gator 620 XUV, Gator 6x4, Gator 850D
XUV, Gator CX, Gator HPX, Gator TH, Gator TS, Gator TX.
Kawasaki - Brute Force 650, Brute Force 750, KFX 50, KFX 90, KFX 450R, KFX 700, Mule 3000, Mule 3010, Mule 600, Mule 610, Prairie 360, Teryx 750.
Polaris - Outlaw 90, Outlaw 450, Outlaw 525, Outlaw 500, Outlaw 525, Phoenix 200, Ranger 2x4, Ranger 4x4, Ranger 6x6, Ranger Crew, Ranger RZR, Ranger XPSportsman 90, Sportsman 300, Sportsman 400, Sportsman 500, Sportsman 6x6, Sportsman 700, Sportsman 800, Trail Blazer 330, Trail Boss 330.
Suzuki - KingQuad 400, KingQuad 450, KingQuad 750, Ozark 250, QuadSport Z50, QuadSport Z250, QuadSport Z400, QuadRacer R450.
Yamaha - Big Bear 350, Big Bear 400, Grizzly 450, Grizzly 80, Grizzly 125, Grizzly 660, Grizzly 700, Raptor 50, Raptor 80, Raptor 250, Raptor 350, Raptor 700R, Rhino 450, Rhino 700, YFZ450 SE, Wolverine 350, Wolverine 450.