ATV, Side-by-Side & Recreational Vehicle Insurance

Whether you’re exploring wooded trails in your Polaris RZR, working your property with a John Deere Gator, riding your Honda FourTrax through the woods, cruising the campground in your golf cart, or enjoying fresh snow on your Ski-Doo, the right insurance helps protect every adventure.

At J. Fox Agency, we’ll review your current coverage, identify available discounts, and help you choose protection that fits your recreational vehicle and the way you use it. Our goal is simple: protect your investment so you can spend more time enjoying the ride.

Adventure Starts Here. Protection Starts With Us.

What Does Recreational Vehicle Insurance Help Protect?

🚙 Liability Coverage

Helps protect you financially if you’re responsible for injuries or property damage while operating your ATV, UTV, side-by-side, golf cart, snowmobile, or other recreational vehicle.

🛠️ Collision Coverage

Helps pay to repair or replace your vehicle after a covered collision with another vehicle, tree, fence, or other object.

🌲 Comprehensive Coverage

Protects your recreational vehicle from covered losses such as theft, vandalism, fire, hail, flooding, falling trees, animal damage, and other unexpected events.

🚑 Medical Payments Coverage

Helps cover medical expenses for you and your passengers following a covered accident.

🔧 Custom Parts & Accessories

Protect aftermarket upgrades like lift kits, winches, light bars, roofs, sound systems, snow plows, custom wheels, tracks, storage boxes, and other accessories you’ve added to your vehicle.

🚛 Trailer Coverage

If you haul your ATV, UTV, golf cart, or snowmobile on a trailer, additional coverage may be available to help protect your equipment while traveling.

Recreational Vehicles We Can Help Protect

No matter how you enjoy the outdoors, we can help insure a wide variety of recreational vehicles, including:

🏁 ATVs (Four Wheelers)

🚜 Side-by-Sides & UTVs

🏍️ Dirt Bikes

❄️ Snowmobiles

🛺 Golf Carts

⚡ Electric Bikes (E-Bikes)

We’ll help determine whether your current insurance provides enough protection or if additional coverage makes sense.

Save More on Recreational Vehicle Insurance

Many owners qualify for discounts they don’t even realize are available. During your quote, we’ll review every available opportunity to help lower your premium, including:

✅ Multi-policy discounts

✅ Multi-vehicle discounts

✅ Homeowner discounts

✅ Responsible payment discounts

✅ Claim-free discounts

Our goal is to maximize your savings while making sure your recreational vehicles are properly protected.

Did You Know?

Many homeowners insurance policies provide little or no coverage for ATVs, side-by-sides, golf carts, dirt bikes, snowmobiles, or electric bikes once they’re being ridden—or once they leave your property.

A dedicated recreational vehicle policy can help protect your investment, your passengers, and your financial future both on and off your property.

Let’s Protect Your Next Adventure

Whether you’ve just purchased your first ATV, upgraded to a new Polaris RZR, bought a golf cart for the campground, or want to insure your family’s snowmobiles before winter arrives, we’re here to help.

Request your free recreational vehicle insurance quote today. We’ll review your current coverage, explain your options in plain English, and help you enjoy every adventure with confidence.

Fast & Easy Process

Our fast and easy process ensures quick policy setup

24/7 Supports

Our fast and easy process ensures quick policy setup