ATV & Powersports Insurance
ATVs, UTVs, and snowmobiles covered for trail riding, hauling, and everything Minnesota throws at them.
Four-wheelers, side-by-sides, and snowmobiles get real use in Minnesota, from trail systems near Elk River to winter riding up north. Homeowners policies give them little or no protection once they leave your property, and liability on a trail is nothing to leave to chance. Todd writes powersports coverage for the machines, the trailers that haul them, and the riders, with options for accessories and custom equipment. Tell him what you ride and where, and he will match the coverage to it.
What's Included
- ATV, UTV, and snowmobile coverage
- Trail and off-property liability
- Accessory and equipment options
- Seasonal use considered in pricing
ATV & Powersports Insurance Service Areas
We provide atv & powersports insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
Is my ATV covered by my homeowners policy?
Usually only in a very narrow way, and often not at all once you leave your own land. Trail riding, transporting, and lending the machine to a friend all need a real powersports policy.
Do I need insurance on my snowmobile?
Minnesota requires liability coverage for snowmobiles operated on public trails and lands. Beyond the requirement, a machine worth five figures parked in a shed all summer deserves theft and damage protection too.
Can I insure multiple machines on one policy?
Yes, most carriers can put several machines on one policy, which usually simplifies things and can help the price. Todd will run it both ways and show you.
Other Services
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →