An ATV (all terrain vehicle), otherwise known as an “off road vehicle”, is used for a variety of purposes. Some people use them when they have a lot of land and want easy access to the most remote areas of the property. Others use them to go hunting or to cruise one of Florida’s four wheeler trail networks. Whatever your purpose for having one, an off-road vehicle is a big investment and should be insured accordingly. Make sure you speak with your insurance agent to ensure that you are carrying the proper coverage.
If you own an ATV or off-road vehicle, you need to make sure you have the proper coverage in case of accident or loss. While it may be true that your homeowner’s policy provides some liability insurance, Tampa residents need to be aware that in most cases the homeowner insurance either excludes or drastically reduces liability coverage on Florida ATVs.
An ATV insurance policy is not always available from the same company that you buy your homeowner or auto insurance from. Many insurers classify off road vehicles in a higher risk pool because of greater safety concerns. These vehicles tend to have a higher frequency of collisions and other forms of damage. Because of this, some companies choose not to fully cover them. To find the best choices for ATV insurance, Tampa residents are better off going with an independent insurance agency that works with multiple insurance companies rather than an agent that is dedicated to one specific carrier.
At Cornerstone Insurance, we are an independent agency representing several of the top-rated insurance carriers in the state and nation. Because of our relationships with these companies, we are able to tailor an ATV policy around the specific needs of each customer. We will make sure you are fully protected with the proper liability and property damage limits. Also, if the general liability insurance on the ATV policy is not enough to fully protect your personal property from lawsuits, we can set you up with an affordable umbrella policy to insure that your property and financial assets are totally covered.