Maximize Your Adventure: Comprehensive Off-Road Insurance Coverage

Whether you love winter off-road snowmobiling adventures or are more of an ATV enthusiast, these vehicles often venture into areas that increase the risk of damage — and, in some cases, personal injury. 

If you always answer the call of an off-road adventure, you must first review your insurance options. Taking action today could make all the difference between a positive memory and a costly incident. 

Unsure what options are available? This in-depth, comprehensive off-road insurance guide tells all. 

Understanding off-road insurance

Are you planning on hitting snowmobile trails this winter? Do you often go to dirt biking pits? If so, know your homeowners' insurance doesn't cover you once you leave your property. The same is true when you take your car or motorcycle off-roading. 

Without lining up the proper insurance, you could find yourself liable for the damages to your vehicle, or worse — someone could get severely injured and accumulate costly medical bills. Depending on the scenario, your insurance could protect you against everything from property damage and collisions to incidents involving guest passengers. 

Here are some examples of off-road insurance:

• ATV/UTV insurance: You can protect yourself and the vehicle if you have a side-by-side or four-wheeler.
• Dirt bike insurance: Explore and ride with peace of mind to ensure a more enjoyable experience whenever you're out.
• Snowmobile insurance: Getting insurance will ensure you can enjoy that fresh powder without worrying about theft or accidental damage.

Depending on the scenario, you could be in places that increase your risk of injury or accidents — especially if you're in an area you're not familiar with. You always have to prepare for the unexpected. In addition to insurance, take all necessary safety precautions. You should insure your off-road vehicle, but you should also know your state laws, wear the right protective gear, and avoid knowingly putting yourself or a passenger in unnecessary danger. 

Related: 8 safety tips to know before the next time you drive your ATV

Advantages of investing in off-road insurance

When you take a proactive approach to protect your off-road vehicle and yourself, your insurance will help cover the following types of risks and hazards:

• Theft (if you have comprehensive coverage on your policy).
• Damages from an accident, fire, water, etc. — review your policy to ensure you're covered for all possible incidents based on your area and riding style.  
• Third-party liability helps protect you financially if you injure someone or damage their property while riding.  

When you need complete protection, comprehensive coverage is an excellent option. By selecting this option, you're covered for damage to your off-road vehicle that wasn't caused by another vehicle or stationary object. Covered incidents include damage caused by theft, fire, extreme weather events, falling objects, and animals. 

For example, a large branch could fall on your parked ATV during a wind storm — or a hail storm could damage your snowmobile. Without comprehensive, you would be responsible for all the required repairs. 

Choosing the right off-road insurance provider 

Just as not all policies are created equal, neither are insurance providers. While you'll want to partner with a provider that offers affordable options, you don't want to compromise on variables like excellent customer service and industry experience. 

The best providers understand that balance, so they give you incredible service and a reasonable rate. 

When choosing off-road insurance, having a trustworthy, reliable provider is paramount. Dairyland Insurance is a prime example of a complete package provider. With over 70 years in the industry, Dairyland offers quality off-road insurance coverage and competitive rates.

Maximize your adventures with Dairyland Insurance 

Dairyland's roots are in Wisconsin. The company is Midwestern-raised and built on small-town values. The Dairyland team understands your connection to the outdoors and your love for off-road adventurers. 

Dairyland has created comprehensive off-road insurance to help you enjoy every minute on the trails and wide open spaces. 

With Dairyland, you can ride freely, knowing you're protected. Here are some examples of what Dairyland provides off-road riders:

• Bodily injury protection 
• Collision
• Comprehensive
• Guest passenger
• Medical expense
• Optional/special equipment
• Personal injury protection (PIP)
• Physical damage plus
• Property damage
• Underinsured motorist bodily injury
• Submersion coverage
• Transport trailer coverage

No one plans to damage their off-road vehicle while out adventuring — not to mention having a life-altering accident. That is why Dairyland offers insurance that considers your lifestyle. With options beyond liability, you can rest easy knowing you're covered for custom equipment, trailer transport, and submersion. 

Invest in responsible, worry-free adventures

Don't fall into the trap of thinking something life-changing won't happen when you're riding. Accidents can happen to anyone at any time, especially during off-road adventures. You will be in areas with a higher likelihood of potential hazards and risks, so you must seek coverage. 

Unsure what type of coverage you need? Want to know how much off-road insurance costs? Contact Dairyland for a free quote and ask about off-road insurance discounts today!