Coverage options may include liability for injuries or property damage you cause, collision for damage to your vehicle, and comprehensive for theft, fire, or other covered losses. Available options depend on the vehicle and policy.

Yes, liability insurance is required when operating an ATV anywhere in New York other than on the ATV owner’s land. Riding only on your own property does not eliminate the risk of an accident or damage to your vehicle.

Homeowners insurance may provide limited coverage in certain situations, but exclusions can apply, especially when riding away from home. Review your policy before relying on it to protect your ATV or UTV.

Coverage options are available for snowmobiles and dirt bikes, subject to insurer eligibility. These vehicles may require separate policies, and coverage depends on the vehicle and how it is used.

Some policies include limited protection for accessories or offer additional coverage for items such as winches, racks, and upgraded equipment. Let your agent know about modifications so the coverage and limits can be reviewed.

Start with your ZIP code or contact Everpoint. Have your vehicle’s year, make, model, and details about its use ready so we can review available coverage options.