Personalized ATV and UTV Insurance

Comprehensive Protection for Your ATV and UTV

Owning an ATV or UTV in Iowa offers plenty of excitement, whether you’re exploring trails or navigating rugged terrain.

However, it also comes with certain risks that standard homeowner or auto insurance policies may not fully cover.

Having the right ATV and UTV insurance is crucial to ensure that you and your vehicle are completely protected from unexpected events.

Our customized UTV/ATV insurance policies are tailored specifically for off-road enthusiasts, offering comprehensive coverage that goes beyond just accidents. You’ll be safeguarded from: 

  • 1

    Theft,

  • 2

    Vandalism,

  • 3

    Damage caused by severe weather,

  • 4

    Or unforeseen off-road conditions.

With this kind of protection, you can enjoy peace of mind knowing you’re prepared for everything from challenging trails to unexpected obstacles.

Our goal is to help you avoid financial setbacks, so you can quickly get back to your outdoor adventures without added stress or worry.

Personalized ATV and UTV Insurance for Every Rider

At The Insurance Specialists, Inc., we understand that UTV and ATV owners have distinct coverage needs.

That’s why we offer a range of insurance policies tailored to protect your ATV/UTV, whether you’re using it for recreation or practical purposes.

With our partnerships, including top providers like Dairyland and Progressive, we provide competitive rates and comprehensive coverage options. Explore these choices to find the best fit for your ATV and UTV:

  • Liability for Bodily Injury and Property Damage: Covers costs if you’re responsible for injuries while riding your ATV or UTV.
  • Collision Protection: Covers repair costs if your ATV or UTV is in an accident with a vehicle or object.
  • Comprehensive Coverage: Protects your ATV or UTV from theft, vandalism, or natural disasters related to fire, flood and weather events.

  • Uninsured and Underinsured Rider Coverage: If you’re in an accident where the other driver is at fault but has no insurance or insufficient coverage for your injuries.

  • Medical Expenses Coverage: Helps cover medical bills for you and your passengers while using the ATV or UTV, regardless of fault.

  • Submersion coverage: If your ATV or UTV falls through the ice while riding over bodies of frozen water, this coverage helps cover repair costs.

     

Why Choose The Insurance Specialists, Inc.

Selecting the right provider to protect your ATV and UTV is essential. Here’s why so many ATV/UTV riders trust us:

Professional Guidance

Benefit from the knowledge and expertise of our experienced Iowa-based insurance team, who understand the needs of ATV/UTV owners.

Customizable Plans

Adjust your insurance to fit your individual requirements, whether for recreation or work-related use.

Affordable Rates

We partner with top insurers to offer cost-effective policies that don’t compromise on coverage.

Trusted Partnerships

Our long-standing connections with leading insurance companies ensure reliable protection for your ATV/UTV.

ATV/UTV Insurance FAQs

We understand that ATV/UTV insurance can be a bit overwhelming, so we’ve gathered answers to some of the most common questions to help you explore your coverage options with clarity and confidence.

The need for ATV/UTV insurance depends on where you live. In some states, coverage is required for riding on public roads or land. Even if it’s not mandatory, having insurance is a smart way to stay protected.

ATV/UTV insurance helps safeguard your vehicle if it’s damaged, stolen, or involved in an accident. It also covers liability, offering protection if you are responsible for injury or property damage while operating your ATV.

Policies generally offer coverage for liability, collisions, comprehensive damage, uninsured motorists, and medical expenses, depending on the plan you choose.

Yes, many insurers allow you to add coverage for accessories and custom modifications, so your personalized upgrades can be insured as well.

Most ATV and UTV policies include medical coverage that protects both riders and passengers in case of injury, though it’s important to review the specifics of your plan.

Even when riding on private property, insurance can protect against risks like theft, damage, or injuries. It’s not always required, but it’s a valuable safety net.

Homeowners insurance usually does not extend to cover ATV or UTV’s. You’ll likely need a separate policy to protect against losses related to your ATV/UTV.

Yes, insurers often provide discounts for bundling ATV/UTV coverage with other types of insurance, such as home or auto, which could lower your overall premium.

Your premium may depend on the model and age of your ATV/UTV, your driving history, the type of coverage selected, and where the vehicle is typically used (public vs. private land).

Reducing your premiums can be achieved by bundling policies, opting for a higher deductible, keeping a clean driving record, or completing safety training courses.

Our Other Recreational Insurance Services

Discover a comprehensive selection of recreational insurance services designed to protect your favorite outdoor vehicles. Click on the links below to explore coverage options that best fit your lifestyle and ensure peace of mind during your adventures.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

Customer Ratings & Reviews

Why our clients love us