A side-by-side is a fun and useful vehicle to have on hand for exploring trails, hunting, farming, or just generally getting around. Many people mistakenly assume that they should have their all-terrain vehicle (ATV) covered under their home insurance. However, it’s best to place it under a separate auto insurance policy.

A Guide to Covering a Side-By-Side on Auto Insurance

What Is Covered? 

Agents recommend covering your side-by-side on its own policy because you’ll get much better coverage than you would with your homeowners insurance policy. This separate policy will include liability coverage for the costs of property damage, bodily injury, or legal fees in case of an accident. The collision coverage will pay for repairs to your ATV after a collision.

What Other Options Are There? 

There are other optional protections you can add. Comprehensive coverage will cover costs for a stolen vehicle or if it is damaged by vandalism, weather, or fire. Uninsured/underinsured motorist coverage will cover your costs if someone else is at-fault for an accident with you and doesn’t have the insurance to cover your expenses, such as vehicle damage or medical care.

How Should You Determine Coverage? 

As with any other type of auto insurance policy, you’ll want to think carefully about the level of coverage you want. Consider factors such as the value of your side-by-side and what the common risks are when you use it. For example, if you’re often out riding the trails with other riders nearby, add uninsured/underinsured motorist coverage. It may not be necessary if you only use the vehicle on your own property where there aren’t any other drivers around.

An auto insurance agent can help you find the right policy that fits your budget. Phil Taylor Insurance Agency will provide an insurance quote for your home, ATV, and other major assets that require coverage. This insurance agency is known in the community of Clarksville, AR, for their trustworthy and knowledgeable service. Contact them online or at (479) 754-2616 for a quote.