Personal Insurance / ATV & Powersports
ATV, UTV & Powersports Insurance — Covering the Toys Your Other Policies Don't.
Your auto policy doesn't cover your four-wheeler. Your homeowners policy doesn't cover it either — at least not for much. If you ride off-road, haul it to the ranch, or let the kids take it out back, it needs its own coverage.
We cover:
What Powersports Insurance Covers
Protection for your vehicle, your liability, and your gear — wherever you ride.
Powersports insurance covers the vehicles that fall outside what your auto and homeowners policies address — ATVs, UTVs, dirt bikes, golf carts, and other recreational and off-road vehicles. Like auto insurance, a powersports policy can include physical damage coverage for the vehicle itself, liability coverage if you injure someone or damage their property, and medical payments coverage for injury to you or your passengers.
Texas doesn't require ATV or off-road vehicle insurance by law for riding on private property. But if you ride on public land, trails, or roads — or if your vehicle is financed — coverage is either required or strongly advisable. More practically: these vehicles aren't cheap, accidents happen, and neither your auto policy nor your homeowners policy is designed to cover them.
We write powersports coverage for a single ATV on a ranch in Johnson County and a family with three UTVs used for weekend trail riding. The coverage is priced based on the type of vehicle, how it's used, and the limits you choose — and it's typically more affordable than most people expect.
Coverage options include:
Collision coverage — Pays to repair or replace your vehicle if you're involved in an accident, regardless of fault.
Comprehensive coverage — Covers theft, fire, vandalism, and weather damage when the vehicle isn't involved in a collision.
Liability coverage — Pays for bodily injury or property damage you cause to others while operating the vehicle.
Medical payments — Covers medical expenses for you and your passengers regardless of who caused the accident.
Uninsured / underinsured motorist — Protects you if you're hit by someone with no insurance or insufficient coverage.
Accessories & custom equipment — Covers aftermarket parts, custom wheels, winches, lift kits, and other modifications beyond the stock vehicle value.
Roadside assistance — Towing and recovery if your vehicle breaks down or gets stuck on a trail or off-road location.
Trailer coverage — Physical damage coverage for the trailer used to haul your powersports vehicle.
Why Your Other Policies Don't Cover It
Auto and homeowners each leave powersports vehicles exposed in different ways.
Most people assume their existing coverage extends to their ATV or side-by-side. It usually doesn't — or it covers far less than they expect. Here's exactly where each policy falls short.
Personal Auto Insurance
Personal auto policies cover vehicles designed for use on public roads. ATVs, UTVs, dirt bikes, and other off-road vehicles are specifically excluded. Even if you occasionally ride your ATV on a road or public trail, your auto policy won't cover an accident involving it. A separate powersports policy is the only way to get auto-style coverage — collision, comprehensive, liability — on these vehicles.
Homeowners Insurance
Homeowners policies may provide very limited coverage for powersports vehicles kept on your property — typically only for theft or fire up to a very low sub-limit, and only while the vehicle is on your premises. The moment you ride it off your property, homeowners coverage stops applying entirely. There's no liability coverage, no collision coverage, and no coverage for accidents away from home under a homeowners policy.
No Coverage at All
Many powersports vehicle owners assume one of their existing policies covers them — and ride for years without realizing neither one applies to an accident, theft away from home, or liability claim. The first time they file a claim, they find out the hard way. A standalone powersports policy is inexpensive relative to the value of the vehicle and the liability exposure it creates — and it closes the gap completely.
Why Get Your Powersports Coverage Through McKnight
We write it alongside your home and auto — one agency, complete coverage.
Our preference is to write your powersports coverage alongside your home and auto — so one agent knows everything you own and everything that's covered. That complete picture is how gaps get found and closed, and it's how you avoid finding out at claim time that something you thought was covered wasn't.
All your personal coverage in one place
Home, auto, toys — one agent sees the complete picture and makes sure nothing falls through the cracks.
Accessories & mods covered correctly
Aftermarket parts and custom equipment aren't automatically covered — we make sure your policy reflects what your vehicle is actually worth.
100+ carriers — competitive pricing
We shop powersports coverage across carriers to find the right rate for your vehicle type and how you use it.
Real answers when you call
817.277.6166, weekdays 8:30–5pm. Adding a new vehicle, a claim, or a question about coverage — we pick up.
FAQ
Powersports insurance questions we hear all the time.
ATV & Off-Road Insurance Insights
Coverage guidance for Texas ATV and UTV owners — what your auto policy misses on the trail.
Get Started
Let's make sure your toys are covered — not just your truck and your house.
Call us or request a quote. We'll find the right coverage for your vehicles and write it alongside your home and auto so everything is in one place.
McKnight Insurance Services · Mansfield, TX · mcknightins.com