All-Terrain Vehicle (ATV) Insurance
Minnesota is an off-road rider’s dream. With more than 1,000 miles of rugged trails to explore, there is no shortage of fun to be had on your ATV. Nevertheless, far too many outdoor adventures are cut short in the aftermath of accidents. At a moment’s notice, an ATV can be severely damaged and cause severe injury or damage to other people and their property. Without ATV insurance, you could quickly find yourself in a muddy situation – and not the good kind.
Many people assume their ATVs are covered by their homeowners insurance. Even with an ATV rider on your homeowners policy, chances are the coverage stops where your property line ends. If you plan to take your ATV anywhere outside your home base, you will need complete protection only offered through a separate ATV insurance policy.
At Pentagon Insurance, we have your ATV covered with all of the coverage you could want or need. We can provide protection for a wide range of all-terrain vehicles, including:
- 6-wheel UTVs
- Dirt bikes
- ..and more
We aim to provide complete coverage that meets your needs, right down to your towing trailer and the after-market parts and accessories you may have added to modify or improve your ride. ATV insurance typically includes coverage for:
ATVs may be small, but they can inflict serious damage. Whether you run into another ATV or plow down your neighbor’s fence, liability insurance helps cover the bill when you are held liable for someone else’s injuries or property damage.
ATVs are expensive to repair and even more expensive to replace. Collision protection can help cover the cost of your own ATV repairs or replacement if you are involved in an accident.
Problems can happen anywhere, anytime – even when you are not riding. If your ATV is stolen during the off-season or takes a beating during bad weather, non-collision coverage can help cover repair or replacement costs.
From your expensive winch to your safety gear, ATV insurance can provide coverage for nearly all of your parts and accessories.
RV & Trailer Insurance
If a big rig is more your style, you will need insurance before hitting the road. RVs are unique in that you can both live in them and use them as transportation. At Pentagon Insurance, we can help you find specialized coverage for your RV or trailer that will protect you on the road, at a campsite, or while your RV is parked at home.
Imagine you’re hundreds of miles from home enjoying the sights and sounds of America’s beautiful Northwest. Suddenly your RV blows a tire, sending you into a guardrail. You and your family are safe, but your RV will need to be towed and repaired. Meanwhile, your home-on-wheels is out of commission, leaving you with no place to stay.
What do you do? If you have RV insurance, you could be covered for all of your expenses, from towing assistance to the cost of temporary lodging.
RV and trailer insurance typically covers collision and liability. However, it can also include a wide range of other unique protections, including:
- Personal Property Protection – coverage when your personal belongings are damaged in a collision or stolen at a campsite
- Roadside Assistance – coverage for the cost of roadside assistance, whether you need a locksmith or a tow truck
- Emergency Assistance – coverage for your hotel and restaurant expenses when you are unexpectedly displaced from your RV due to a covered event.
For more information about ATV or RV insurance, contact us here at Pentagon Insurance Agency.