ATV & Jet Ski Insurance

Off-road and on the water, fun comes with responsibility. ATV and personal watercraft insurance helps you stay covered from property damage, injuries, and unexpected bumps in the trail. We help riders protect their toys with policies tailored for performance, safety, and freedom.

Standard homeowners or auto policies usually exclude these vehicles. Specialty insurance is key to avoiding big losses.

Protects Against the Unexpected

Accidents happen—on trails, lakes, or in storage. Coverage helps you avoid high out-of-pocket repair or replacement costs.

• Covers damage to your machine or trailer
• Helps replace stolen or vandalized equipment
• May include towing or recovery

Meets Local & Park Requirements

Some parks or marinas require liability insurance for access. Lenders may also mandate proof of coverage.

• Keeps you compliant with rules and laws
• Allows you to operate in public areas legally
• Helps with registration or permitting

Covers Medical and Legal Costs

Off-road and watercraft accidents can cause serious harm. Liability and medical coverage help manage the aftermath.

• Pays for injuries to others
• Helps cover legal defense if you're sued
• Available medical coverage for you and passengers

Protects Custom Equipment

Many riders invest in accessories, upgrades, and gear. Make sure your policy reflects the full value of your setup.

• Add coverage for racks, lifts, and electronics
• Insure trailers or haulers
• Optional coverage for safety gear and apparel

Depending on your needs, coverage options may include:

What Does ATV & Jet Ski Insurance Cover?

Understanding Off-Road & Watercraft Policies

We’ll help you choose the right policy based on your riding style, bike value, and budget. Common options include:

• ATVs, UTVs, dirt bikes, side-by-sides
• Jet Skis, Sea-Doos, and personal watercraft
• Seasonal or year-round use options
  

We’ll help you hit the trail or lake knowing you’re covered every step (or splash) of the way.