ATV & Powersports Insurance
Coverage for ATVs, UTVs, snowmobiles, and the trail culture that comes with living in Minnesota.
Powersports are a way of life out here: ATVs and side-by-sides on trails and farm property, snowmobiles the moment the lakes freeze. What many owners do not realize is how little of that a homeowners policy covers once the machine leaves your property. Todd writes powersports coverage for liability on trails and public land, physical damage to machines that work hard, and accessories like plows, winches, and tracks. He rides the same county roads you do, and he will tell you plainly where your homeowners coverage stops and where a powersports policy needs to start.
What Todd looks at
- Trail and off-property liability
- Collision and comprehensive for hard use
- Accessory coverage: plows, winches, tracks
- Snowmobile and UTV options
Not sure what you are carrying today? Send Todd your current declarations page and he will read it back to you in plain language.
Call (612) 500-5215Where Todd writes atv & powersports insurance
Todd writes atv & powersports insurance across the northwest Twin Cities metro.
Questions Todd gets asked.
Doesn't my homeowners policy cover my ATV?
Usually only in limited ways, and often only while it is on your own property. On a trail, on a friend's land, or crossing a road, you may have no liability coverage at all without a powersports policy. Todd will check your homeowners language and show you exactly where the line falls.
Is my snowmobile covered under the same policy?
Snowmobiles are typically written as their own powersports line, and carriers differ on how they handle seasonal use. Todd can often place ATVs, UTVs, and sleds with one carrier so your whole fleet renews together.
Other coverage Todd writes.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreCommercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn moreBusiness Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn more