ATV Insurance in Washington
Four-wheelers, ATVs, UTVs and side-by-sides can be a lot of fun! Some are used for work purposes such as around the farm or hunting, but many are used purely as a recreational vehicle for weekend enjoyment! Regardless of how you use your ATV, you may want to consider an ATV insurance policy.
Doesn’t My Home Insurance Cover This?
If your ATV is used to service your property, then your home insurance policy may provide coverage, but only at your property. It is always best to check with your insurance agent regarding what coverage you need and what circumstances are not covered.
Am I required to have it?
Washington state does not require you to carry insurance for your ATV, however, frequently these vehicles are off-road on unpredictable terrain, so because of the risks associated, we highly recommend obtaining insurance.
What discounts are available?
The most common discount available would be a multi-policy discount for insuring other products with the same company. For instance, if your home and auto insurance is already with an insurance company, that same company may offer you a discount on your new product. Some companies offer discounts for driving experience as well as if you are part of a specified association.
My ATV Is customized, is there coverage for that?
Custom parts and equipment can be added to most policies. Some policies will even include some custom parts and equipment into your base rate. If your ATV is customized it is important to keep up to date documentation of custom parts in the event of a claim.
If you’d like a quote on your ATV/UTV or side-by-side, give us a call. Our licensed staff can quickly and easily help you decide what coverage and options are right for your situation.