Whether you ride for sport, adventure, or necessity, nothing offers the flexibility and versatility that an off-road vehicle can. Whether you are taking on rugged trails from your ATV or UTV or taking the reins from your snowmobile during a snowy Wisconsin winter, be sure to saddle up with plenty of insurance coverage to protect you, your passengers, and your vehicle against potential loss.
Wisconsin ATV and UTV Insurance
Like traditional vehicles built for the road, owning and driving an ATV or UTV carries a certain degree of risk. Not only do you face the possibility of vehicle damage or theft, but there is also the risk of injuries – both to you and your passengers. You may even develop liability for a third party’s injuries or losses if you cause an accident while riding. At Couri Insurance, we help ATV and UTV owners find coverage that mitigates these risks with comprehensive protection against a wide range of losses.
Depending on your insurer’s coverage and the type of policy you choose, your Wisconsin ATV/UTV insurance could include protection that covers:
- Physical damages to your ATV or UTV due to collisions
- Damages caused by non-collision events, such as fallen objects or fire
- ATV/UTV theft and vandalism
- Damages to vehicle upgrades and special equipment
- Third-party injuries and property damages
- Medical expenses for you and your passengers due to a covered accident
- Uninsured motorist protection
- Off-road towing and assistance
- And more
Choosing Your Coverage
Selecting the right coverage for your ATV or UTV does not have to be complicated. At Couri Insurance, we simplify the process by matching you with a policy that addresses your unique risk vulnerabilities. We take many different variables into account when building your risk profile, some of which include:
- Your riding habits
- Your riding frequency
- Where you ride
- How many off-road vehicles you own
- The type, age, and condition of your ATV/UTV
- Income and asset valuation
- And more
We generally recommend ATV/UTV insurance to all riders – including those who have minimal protection through a homeowners insurance policy. While an ATV/UTV policy provides complete coverage custom-tailored for riders and their vehicles, homeowners insurance protection is much more limited and usually will not extend beyond the boundaries of your personal property.
Wisconsin Snowmobile Insurance
Sledding is a popular pastime here in Wisconsin given the many months of groundcover we experience year after year. The adventures are new with each new snowfall, creating new paths and new opportunities for risk. Though snowmobiling can be unpredictable, having the right insurance can help you face the unexpected with coverage that protects you, your vehicle, and your passengers.
Wisconsin snowmobile insurance often includes protection against many of the same types of losses covered by an ATV or UTV policy. At Couri Insurance, we can personalize your policy according to your unique risks. This may include coverage for:
- Physical damages caused by collisions
- Physical damages caused by non-collision events, such as fallen objects or fire
- Snowmobile theft and vandalism
- Damages to your snowmobile’s upgraded features or special equipment
- Third-party injuries or property damages
- Medical expenses for you and your passengers due to a covered accident
- Uninsured motorist protection
- Off-road towing and assistance
- And more
How Much Coverage Do You Need?
Many factors affect the coverage needs of sledders. At Couri Insurance, we aim to help our clients better understand the hazards and perils they face and learn which types of coverage can minimize the risk of loss. Some riders assume that the seasonality of snowmobile vehicles eliminates the need for coverage during warmer months of the year. The truth is that losses are still possible even when your snowmobile is stored away for summer. From theft and vandalism to fallen trees and fires, there are many ways you could experience loss when your vehicle is not in use.
Accidents can happen to anyone – even the most seasoned sledders. Choosing too little coverage could result in big financial losses for things like medical expenses, legal fees, and snowmobile repairs. Don’t take chances with your snowmobile insurance. Instead, turn to the team here at Couri Insurance to help you find quality snowmobile insurance coverage at competitive prices. We take many different variables into account when building your risk profile, some of which include:
- Whether you ride for recreation, sport, or necessity
- Your riding frequency
- Where you ride
- How many snowmobiles you own
- The type, age, and condition of your snowmobile
- Income and asset valuation
- And more
Get a Quote for Wisconsin ATV, UTV or Snowmobile Insurance
The team here at Couri Insurance is ready and waiting to assist you with your off-road coverage needs. As a local independent agency, we know what matters most to our clients. We shop and compare policies, search for money-saving discounts, and help you maximize the value you receive from your coverage.
We can show you how to lower the cost of your premiums by:
- Raising the deductible on your policy
- Informing your insurer when your vehicle is stored away for an extended period
- Enrolling in and passing an approved rider safety education class
- Installing anti-theft or safety equipment in your vehicle
- Combining multiple lines of coverage from the same insurance company
- Insuring more than one ATV, UTV, or snowmobile on the same policy
- Paying your insurance premiums in full or enrolling in automatic payments
- And more
Whether you are a frequent rider or exploring your options for buying an ATV, UTV, or snowmobile for the first time, now is the time to talk to an independent agent about off-road coverage solutions. For more information about Wisconsin ATV/UTV or snowmobile insurance, contact our office to request your free quotes.
