Your homeowners and auto policies don’t cover ATVs and powersports vehicles the way you actually use them — trails, off-road, private property, and public land. A standalone powersports policy protects the vehicle, the rider, and third parties. Safenet Insurance Group writes ATV and powersports insurance across NC. Call (336) 280-4606 or quote online.
Powersports Vehicles We Insure
- ATVs (all-terrain vehicles)
- UTVs / side-by-sides (Polaris RZR, Can-Am, Kawasaki Mule, Honda Pioneer)
- Dirt bikes and off-road motorcycles
- Golf carts and low-speed vehicles
- Snowmobiles
- Personal watercraft is quoted separately under our boat and watercraft coverage
What Powersports Insurance Covers
- Liability — pays for bodily injury and property damage you cause to others
- Collision — repairs or replaces the vehicle after an accident
- Comprehensive — theft, fire, vandalism, flipping while parked
- Uninsured/underinsured motorist — protects you if hit by an uninsured rider or driver
- Medical payments — covers rider and passenger injuries
- Accessories and add-ons — winches, plows, roll cages, custom parts, sound systems
- Roadside and trailering — towing to a repair shop
Trail Riding and Third-Party Property
Most ATV liability claims happen off your own land — riding trails, on friends’ property, at ATV parks. Your homeowners liability generally does not follow you off-premises for a motorized vehicle. Powersports liability does.
Frequently Asked Questions
Do I need ATV insurance if I only ride on my own property?
NC does not require ATV insurance for private-property use, but comprehensive still covers fire, theft, and vandalism — and one accident with a guest rider can produce a lawsuit that your homeowners will not touch.
Can I insure a UTV used for farm work?
Yes. Some UTVs qualify for farm equipment endorsements at lower rates, especially when used primarily for agricultural work.
Does age affect powersports rates?
Yes. Younger riders (under 25) pay significantly more. Rider training courses often earn discounts.
Get an ATV / Powersports Quote
Call Safenet Insurance Group at (336) 280-4606 or quote online.