Strap on those goggles and tear it up! With miles of wilderness out there waiting, the last thing you want to worry about is whether you have the right insurance policy. With a specialized off-road insurance policy you're covered whether you're out enjoying the trail on your dirt bike, climbing dunes in your dune buggy, off-roading on your ATV or taking a leisurely spin in your golf cart.

Farmers offers Off-Road Vehicle insurance specializing in coverage that gives you real peace of mind. We can help you protect your investment with important standard and optional off-road vehicle coverages so you can enjoy every trip off the beaten path. Covered vehicles include:

• Snowmobiles
• Dirt bikes
• Dune buggies
• Golf carts
• 3-wheel, 4-wheel and 6-wheel ATVs
• And more!

Off-Road Vehicle Insurance Coverage

At Farmers, we specialize in offering the kind of Off-Road Vehicle coverage that gives you real peace of mind. Our policies provide important standard and optional coverages that are geared toward off-road vehicles, and may not be available in a conventional Auto or Homeowners policy. Our specialized Off-Road insurance policy offers coverage for:

• Snowmobiles
• Dirt bikes
• Dune buggies
• Golf carts
• ATVs (standard, sport and utility)

We can help you protect your investment with important standard and optional off-road vehicle coverages. These should include:

• Collision Coverage
• Other Than Collision Coverage
• Liability Coverage
• Medical Payments Coverage
• Safety Apparel Coverage provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

Optional Coverages

For extra protection out on the trail, and because not everyone's needs are the same, a Farmers policy offers a variety of options like:

• Increased limits on liability
• Optional Equipment Coverage including towable trailers or sleds made for use with an ATV or snowmobile
• Coverage on transport trailers valued up to $7,500

Annual Policies

You can enjoy year-round coverage with no lay-up period, so if there's a beautiful day when the trail is calling to you, rest assured that you're covered. No extra phone calls, no hassles!

Broad Coverage

It's truly amazing how many different types of Off-Road Vehicles are hitting the trails today - dirt bikes, dune buggies, golf carts and ATVs. ATVs even come in several categories. There are 3, 4 or 6-wheel regular or sport models, as well as utility and amphibious ATVs which can have up to 8 wheels! Farmers has a specialized program to cover all these Off-Road Vehicles - and give you the important coverage you may not be able to find elsewhere.

Note: Farmers Off-Road Vehicle insurance may not be available in your area at this time, and policies, coverage amounts, and discounts can vary.

Features & Discounts

Farmers offers a variety of discounts that can save you money on your premium. And there's no limit to the number of discounts you can receive if you qualify. With a Farmers policy, you may be eligible for the following discounts:

• Multi-unit discounts of up to 10%
• Multi-policy discount
• Renewal discount for maintaining continuous coverage
• Safety course discount
• Discount for prior off-road vehicle insurance

Availability

Farmers Off-Road Vehicle insurance is only available in the United States, in all states except Hawaii, Massachusetts and Washington D.C. In Massachusetts, only ATV and snowmobile policies are available. Please note that coverages and coverage amounts vary by state. All coverage may not be available in all areas.

What to Look For in an Off-Road Vehicle Insurance Policy

A day on the trails is a day in search of the unexpected; a new track you hadn't noticed before, the changing colors or maybe just the overall wonder of the outdoors. Don't let the unexpected catch you off guard though - make sure that you have the proper coverages on your off-road vehicle. Some ORV coverages to consider are:

• Year-round coverages - because any day could be a riding day
• Safety apparel coverage - it's protecting you, return the favor
• Towed trailer coverage - it's behind you, but not out of harm's way
• After-market parts and accessories - you put it on your ride, keep it there
• Transport trailer coverage - the best trails aren't always in your back yard
• Collision Coverage and Other than Collision Coverage
• Increased limits on Liability

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