UTV & side-by-side insurance
Coverage for UTVs and side-by-sides (recreational and utility) — generally intended to respond to liability, theft, and damage on trails, ranches, and where permitted.
In California? Call 833-844-4357.
What this coverage is generally intended to address
- •Liability. Generally intended to respond to bodily injury or property damage you cause while operating, where coverage applies.
- •Collision & comprehensive. Optional coverage for damage to or theft of the machine, including overturns.
- •Accessories & upfits. Winches, cabs, roofs, and other upfits can often be scheduled, subject to the policy.
- •Work & recreational use. Coverage considerations differ for ranch/work vs. trail use — tell us how you use it.
Request your quote
Prefer to talk? Call 866-347-8683 (California: 833-844-4357). Or send your details below.
Frequently asked questions
Is a UTV the same as an ATV for insurance?
They are related off-road vehicles, but a UTV (side-by-side) has seating and a roll cage and is often used for work as well as recreation. Coverage is similar but rated for the specific machine and use.
Does homeowners cover my side-by-side off my property?
Generally not — off-premises use is typically excluded. A dedicated policy is generally what responds on trails and public land.
Can I cover upfits and accessories?
Yes — accessories can usually be scheduled. Have a rough value ready when you call.
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