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Off Road Vehicle Insurance

Coverage Options
At 1 Preferred Place, we specialize in offering the kind of off-road vehicle coverage that gives you real peace of mind. Our policies provide important standard and optional coverage that are geared toward off-road vehicles, and may not be available in a conventional auto or homeowners policy. Our specialized off-road insurance policy offers coverage for:

  • Snowmobiles

  • Dirt bikes

  • Dune buggies

  • Golf carts

  • ATVs (standard, sport and utility)

Important Coverage
We can help you protect your investment with important standard and optional off-road vehicle coverages. These should include:

  • Collision Coverage

  • Other Than Collision Coverage

  • Liability Coverage

  • Medical Payments Coverage

  • Safety Apparel Coverage provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

Optional Coverage
For extra protection out on the trail, and because not everyone's needs are the same, a 1 Preferred Place policy offers a variety of options like:

  • Increased limits on liability

  • Optional Equipment Coverage including towable trailers or sleds made for use with an ATV or snowmobile

  • Coverage on transport trailers valued up to $7,500

Annual Policies
You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day when the trail is calling to you, rest assured that you're covered. No extra phone calls, no hassles!

Broad Coverage
It's truly amazing how many different types of off-road vehicles are hitting the trails today - dirt bikes, dune buggies, golf carts and ATVs. ATVs even come in several categories. There are 3, 4 or 6-wheel regular or sport models, as well as utility and amphibious ATVs which can have up to 8 wheels! 1 Preferred Place has a specialized program to cover all these off-road vehicles - and give you the important coverage you may not be able to find elsewhere.