Adventure Protected: Powersport Insurance for Every Thrill
Local expertise, multiple carriers, and personalized coverage options to protect your passion and your peace of mind
Because Your Adventure Deserves Premium Protection
Your powersport vehicle isn't just a ride – it's your passion, your escape, and a significant investment. At FOCO Insurance, we understand that protecting your recreational vehicle requires specialized coverage that matches your riding style and risk profile. With over 30 years of experience serving the Fort Collins community, we provide access to multiple carriers and customized policies that ensure you're properly covered, whether you're hitting the trails, cruising the streets, or racing on the track.
What you should know
How to choose the right coverage for your specific powersport vehicle, Ways to save money while maintaining comprehensive protection, Important coverage options that many riders overlook, How to customize your policy for your unique riding needs
Ways To Save
Bundle your powersport policy with other insurance for multiple policy discounts, Complete approved safety courses to qualify for premium reductions, Install anti-theft devices for additional savings, Maintain a clean riding record for better rates, Choose a higher deductible for lower premium payments, Store your vehicle securely during off-season periods
Prepare for your quote
Vehicle identification number (VIN), Make, model, and year of your powersport vehicle, Details of any modifications or custom parts, Your riding history and experience level, Information about where and how you'll use the vehicle, Storage location details, Current insurance information (if applicable)
Why We Stand Out
30+ years serving the Fort Collins communityAccess to multiple carriers for competitive ratesDedicated personal agent for all your insurance needsSeamless claims process with expert guidanceComprehensive understanding of local riding conditions and requirements
Understanding Your Home Insurance Options
FAQs
Storage location impacts rates and coverage requirements, especially for theft protection.
Options include liability, collision, comprehensive, medical payments, and accessories coverage.
Coverage typically includes motorcycles, ATVs, snowmobiles, jet skis, and other recreational vehicles.
Many insurers offer lay-up periods with reduced coverage during off-season storage.
Discounts often available for safety courses, anti-theft devices, and multiple vehicle policies.
Typically requires separate coverage or endorsement for transport damage protection.
Basic policies may have limited coverage; custom parts and equipment endorsements available.
Recreational vs. commercial use impacts coverage options and pricing.
Vehicle type, engine size, usage, location, rider experience, and claims history impact rates.
Most standard policies exclude racing or competition use; special coverage may be available.
Experience the Difference
Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.