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Off-road vehicle insurance provides coverage for your toys.

Off-Road Vehicle Insurance - Happy Young Couple Riding ATV Together Along a Dirt Road in the Countryside on a Sunny Day

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Enjoy your toys on the trail knowing you’re covered with off-road vehicle insurance.

Off-road vehicles aren’t typically covered by home or auto.

If you assume your off-road vehicle is already covered by your existing home or auto insurance policies, you’re in for a big surprise. Many home insurance policies exclude ATVs, dirt bikes, snowmobiles, golf carts, and other vehicles, so you could have to pay out of pocket if your vehicle is stolen or damaged. Additionally, standard auto insurance policies typically won’t cover such vehicles, given the unique risks of driving off-road. Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide.

Policies can be customized to your off-road vehicle and usage.

A specialty policy will usually be custom-made for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you may be able to choose from several components to help keep you and your off-road vehicle safe and secure while you explore. Here are some of the most common types of vehicles that can be covered with insurance:

  • ATVs
  • Camping Trailers
  • Dirt Bikes
  • Dune Buggies
  • Golf Carts
  • Rock Crawlers
  • Snowmobiles
  • UTVs

What does off-road insurance cover?

Collision coverage may pay out for the damage to your off-road vehicle, whether you collide with another vehicle or an obstacle like a fence or tree. Bodily injury and property damage liability components may cover the costs you must pay to other people if you and your off-road vehicle are responsible for the damage. Comprehensive coverage may be obtained to help protect you from the costs associated with the loss or damage of your off-road vehicle if it’s stolen or damaged by severe weather or natural disaster.

Factors to consider when covering your off-road vehicle.

To keep costs lower, consider a policy with a limited mileage allowance each year. You may also be eligible for discounts if you complete a safety course. And if you already have auto insurance or other policy, you may be able to get a multi-policy discount if you add your off-road vehicle.

Are you looking for off-road vehicle insurance to help protect your toys? Contact us to learn more.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact One Street Insurance Group

Our Aurora, CO Office

1010 South Joliet Street
Suite 200
Aurora, CO 80012

Email Us
 303-577-9922 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Off-Road Vehicle Insurance Quote Request

Application information

Current Address
Own or Rent?
Date of Birth

Co-Applicant Information

Date of Birth

Other Drivers

Driver #1

Date of Birth

If current student, please answer:

Driver #2

Date of Birth

If current student, please answer:


Vehicle #1

Vehicle #2

Vehicle #3

Vehicle #4

Vehicle #5

Do you have custom equipment?



Home Information

Do you have a declaration page you can send us?
Is the property currently insured?
Is this a new purchase?

Property Information:

Central Alarm:
Pool/Hot Tub:
Do you have a dog?
Bite History?

A few final questions about other services we offer.

Umbrella Insurance:

In short, Umbrella Insurance protects you when the limits of your auto, homeowners, or other personal liability insurance policies are exhausted and you face potential lawsuits and/or millions of dollars of damages. Umbrella Insurance Policies provide coverage for bodily injury and property as well as things your regular policies don’t normally cover.
Would you like more information about umbrella coverage?

Life Insurance:

Life Insurance, quite simply, is an insurance policy that pays a beneficiary or beneficiaries of your choosing in the unfortunate event of your death. Unlike most insurance policies, you may never see the benefits of the policy but the people you care about and rely on you surely will.
Are you interested in a life insurance quote or current policy review?

Commercial Insurance:

If you own your own business we would love the opportunity to insure that as well. We have the ability to insure most business types, have several companies that we work with and offer most policy types.
Would you be interested in a commercial insurance quote?
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 303-577-9998 or email us.

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