Summer’s almost here—and with it, the call of the great outdoors. For those with a taste for adventure, ATVs offer a unique way to explore your area. However, these adrenaline-inducing rides often come with some element of danger. To help protect yourself, your passengers, and other off-roaders, reach out to an insurance agency to learn about coverage options specific to this kind of vehicle, in addition to reviewing the guide below.

What to Know About ATV Insurance

What does it cover?

Much like auto insurance, ATV policies include a variety of coverage options designed to protect you from different threats. Liability insurance will cover the cost of any injuries you might cause to someone else’s property or person, while collision coverage pays for the damage to your own vehicle. The insurance agency will help tailor a policy to meet your specific needs.

Is ATV insurance required?

In Alaska, ATV riders are not required to carry insurance. However, if you financed the vehicle, your lender will likely require you to maintain a policy until the loan is paid off.

What about other damages?

An ATV is vulnerable to a variety of threats even when it’s not on the trail. If you opt for additional comprehensive coverage, the insurance agency will compensate you for any damage caused by storms, animals, or fire, and pay to replace the ATV if it's stolen or vandalized.

What determines the cost of ATV insurance?

The cost of ATV insurance depends on a variety of factors, including how often you ride, the vehicle model, your age, and even your credit rating. An independent insurance agency will shop around to find the best policy for you at the lowest rate possible.
 

For over 40 years, Sweeney Insurance Agency has offered high-quality coverage and personal service to clients throughout the Kodiak, AK, area. Whether you’re buying an ATV or purchasing a home, their agents will guide you through the insurance options so you can be prepared for the unexpected. To review their full list of products, visit their website. Check out insurance tips and satisfied customer reviews on Facebook. Then call their offices at (907) 486-3101 to set up an appointment or request a free quote.