10/03/2026
When it comes to ATV insurance, misconceptions are everywhere. Here are five common myths and the facts every rider should know.
🔎Myth #1: My ATV is covered under my home insurance policy
💡Fact: In most cases, ATVs require their own insurance policy. Home insurance typically doesn't cover ATV damage, theft, liability, or accidents.
🔎Myth #2: I don't need insurance while my ATV is in winter storage
💡Fact: Risks like fire and theft don't disappear in the off-season. Keeping coverage year-round helps protect your ATV.
🔎Myth #3: I don't need coverage if I ride on private property
💡Fact: Accidents and damage can happen anywhere. Insurance can help protect you and your ATV wherever you ride.
🔎Myth #4: I'm not liable if someone else drives my ATV
💡Fact: If someone borrows your ATV and is involved in an accident, your insurance may be the primary coverage.
🔎Myth #5: I need an existing home or auto policy to get ATV insurance
💡Fact: Not with Co-operators. Stand-alone ATV insurance is available, with optional bundling opportunities that may help you save.
Contact me to learn more about ATV insurance.
