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For every adventure, there’s protection.

Reliable coverage designed for life off the pavement.

ATV/off-road 
What is ATV insurance?

Homeowners insurance helps protect your home and everything in it from the unexpected.

It typically covers your dwelling, personal belongings like furniture and electronics, and includes liability protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.

In many cases, it can also help pay for additional living expenses if a covered event — like a fire or storm — makes your home temporarily unlivable.
 

At Smallwood Insurance Agency, we’ll help you customize a policy that fits your needs, so you can enjoy true peace of mind knowing your home and belongings are protected.

What does a ATV policy cover?

Smallwood Insurance offers comprehensive ATV protection to help cover you, your vehicle, and others involved in an accident. Each policy can be customized with coverage limits that fit your needs for added peace of mind.

Our ATV insurance can help pay for costs related to:

  • Collisions – Damage from an impact with another vehicle or object

  • Fire or Theft – Protection if your ATV is stolen or damaged by fire

  • Vandalism – Coverage for intentional damage

  • Hail or Falling Objects – Repairs caused by severe weather or debris
     

And it’s not just for ATVs Smallwood protects — we also insure a wide range of off-road vehicles, including UTVs, golf carts, and more.

What does ATV insurance typically not cover?

What Does ATV Insurance Not Cover?

While ATV insurance offers strong protection, there are certain situations and damages it typically does not cover. Standard exclusions often include:

  • Racing or competitive events – Accidents or damage that occur during organized races or stunts.

  • Wear and tear – Normal aging, deterioration, or mechanical breakdowns.

  • Unauthorized use – Damage that happens when someone uses your ATV without permission (unless you’ve added specific coverage).

  • Use on public roads – ATVs are generally not covered for street use unless they’re properly licensed and insured for on-road travel.

  • Commercial or business use – Accidents that occur while using your ATV for work or business activities.

  • Improper maintenance – Damage resulting from neglect, such as failing to service your vehicle.
     

For complete details and to explore additional coverage options, your Smallwood Insurance agent can help tailor a policy that fits your specific ATV and riding lifestyle.

Start your ATV policy today with Smallwood Insurance

Find the right policy tailored to your needs and budget.​

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How to get started with ATV insurance at Smallwood
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Find the right coverage
Your ATV deserves protection as strong as its performance. Our team helps you build coverage that fits your lifestyle—on and off the trail.
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Start your policy
We make getting coverage simple. From quote to policy, our team ensures a smooth process so you can feel protected faster.
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Maintain your protection
Life moves fast — and your insurance should keep up. We’ll help you review and adjust your policy as your home and lifestyle change.
How a Smallwood Agent Helps Protect Your Home
Your local Smallwood agent takes time to understand your unique needs and help you get the coverage that fits your life.
 

  • Explain your home insurance options clearly

  • Find discounts to help you save

  • Guide you through the claims process

  • Recommend additional coverage like life insurance for extra peace of mind

Protection That Goes Wherever You Do
Comprehensive coverage for your ATV and beyond — because every adventure deserves reliable protection.
Auto Insurance
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Motorcycle Insurance
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Protect your ATV with coverage you can trust.

Experience reliable service and personalized support from Smallwood Insurance.

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