ATV & Powersports Insurance
Coverage for ATVs, UTVs, and snowmobiles, built for a state where the trails are a way of life in every season.
Minnesota's trail culture runs deep: ATVs and side-by-sides all summer, snowmobiles from the first real snow to the March melt. These machines carry real value and real liability, and homeowners policies typically give them little or none of either once they leave your property. Todd writes powersports coverage for ATVs, UTVs, and snowmobiles that follows the machine onto the trail system: physical damage for the machine itself, liability for accidents involving others, coverage for accessories and tracks, and theft protection for equipment that too often disappears off trailers and out of garages.
What's Included
- ATV, UTV, and snowmobile coverage
- Trail-riding liability protection
- Accessory and track coverage
- Theft protection at home and in transport
ATV & Powersports Insurance Service Areas
Todd writes atv & powersports insurance across the northwest Twin Cities metro.
Frequently Asked Questions
Isn't my ATV covered under my homeowners policy?
Usually only in narrow circumstances, often just on your own property, and liability off-property is commonly excluded. If the machine rides trails, crosses roads, or travels on a trailer, it needs its own policy.
Do I need snowmobile insurance to ride Minnesota trails?
Liability coverage is a practical necessity on the trail system, and some situations require it. More to the point, a trail collision involving another rider is exactly the kind of claim you do not want to face uninsured. Todd sets up seasonal machines sensibly.
Is my machine covered while it is on the trailer?
Transport is a common gap: the tow vehicle's policy covers the trailer's liability but usually not the machine on it. Todd makes sure the machine itself is protected door to trailhead.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →