Powersport Insurance That Keeps You Riding with Confidence
Trusted by Riders Across Mountain Ranges and Trail Systems
Our deep expertise in Powersport insurance means you get protection that truly understands the unique risks of ATVs, snowmobiles, motorcycles, and more.
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97% Retention
Customers stay with us year over year over year
Independent
We work for you, not insurance companies
Local
Fort Collins owned & operated since 1992
Your Powersport Vehicle is More Than a Machine, It's Your Passion
No one wants to think about accidents or theft happening to their pride and joy, but having the right protection means you can focus on the ride, not the risks.
When the Trail Takes an Unexpected Turn
Marcus was enjoying a weekend ride on his ATV when he hit an unseen rock and damaged his front suspension and steering. With comprehensive Powersport coverage, the $3,500 repair was covered after his deductible, getting him back on the trails within days. Without insurance, that unexpected rock would have meant months of saving for repairs.
When Weather Strikes Without Warning
Jennifer stored her snowmobile in her detached garage during the off-season. When a severe hailstorm damaged the roof and water leaked in, her comprehensive Powersport policy covered the $6,800 in electrical and engine damage. What could have been a devastating financial hit was resolved with a single phone call to her agent.
When Theft Threatens Your Investment
David returned from dinner to find his motorcycle missing from outside his apartment. His comprehensive Powersport coverage not only replaced his stolen bike but also covered his custom exhaust and aftermarket additions that he'd properly documented with his agent. Instead of losing his $12,000 investment, David was riding again within weeks on a comparable replacement.
Build Protection That Follows Your Powersport Adventures
Comprehensive Coverage: Protects Your Powersport Vehicle from the Unexpected
Theft, fire, hailstorms, vandalism, or even animal collisions—these risks can turn fun into financial stress. Comprehensive coverage shields your motorcycle, ATV, or snowmobile from costly, non-collision damage so you can focus on adventure, not anxiety.
Powersport Liability Coverage: Protects You if You Cause Injury or Damage
Operating an ATV, motorcycle, or personal watercraft carries risks. If you unintentionally cause harm to others or their property, liability coverage protects your finances from costly lawsuits or repairs.
Collision Coverage: Pays to Fix Your Powersport Vehicle After a Crash
Accidents can happen even to the most careful riders. Whether you ride an ATV, motorcycle, or side-by-side, collision coverage steps in to cover repair costs if you hit another object or overturn—so you don’t have to face unexpected bills or stranded adventures.
Medical Payments Coverage: Pays Medical Bills After a Powersport Accident, No Matter Who’s at Fault
Even a minor powersport accident can mean costly emergency care for you or a passenger. Medical payments coverage steps up to pay out-of-pocket medical costs—right when you need help the most.
Powersport Trip Interruption Coverage: Pays Your Travel Costs If Your Ride Is Cut Short By Unplanned Events
When your motorcycle or ATV journey is unexpectedly interrupted—due to breakdown, accident, or covered illness—this coverage reimburses extra lodging, food, and travel expenses, so you're not stranded far from home.
Powersport Roadside Assistance: Support When Your Ride Breaks Down
If your motorcycle or ATV leaves you stranded, roadside assistance gets you help fast—whether you’re on a long ride or far from home. Avoid being stuck with costly repairs or tows and keep your adventure going.
Smart Coverage Decisions Begin with Understanding Your Needs
The right Powersport insurance strategy changes based on your vehicle, how you use it, and what you need to protect.
New Rider / First Powersport Vehicle
As you begin your Powersport journey, balancing affordability with sufficient protection is key. Focus on meeting any legal requirements for public land use while protecting your investment. Since you're building your experience, collision coverage becomes particularly important.
Smart moves include taking certified safety courses (which often earn discounts), understanding where you'll be riding most often, and properly securing your vehicle against theft. New riders should consider higher liability limits as skill development is underway.
Experienced Rider with Multiple Vehicles
With experience comes expansion - many enthusiasts find themselves with multiple Powersport vehicles for different seasons and terrains. Your primary focus should be on consolidated coverage with multi-vehicle discounts and consistent protection across your collection.
Consider specialized endorsements for custom parts and equipment you've added over time. With multiple vehicles, comprehensive coverage becomes increasingly valuable as your total investment grows. Ask about lay-up policies that reduce premiums during off-seasons when certain vehicles aren't in use.
Professional or Competitive Use
When your Powersport activities extend to professional guiding, competition, or commercial use, standard personal policies often fall short. You need specialized coverage that understands the unique demands of professional riding, including higher liability limits and specific endorsements.
Critical considerations include separate business liability coverage, protection for specialized equipment, and coverage that extends to events or commercial operations. Work with an agent who understands both personal and commercial Powersport risks to ensure complete protection across all your activities.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. How and where will you use your Powersport vehicle?
Your usage pattern dramatically affects your coverage needs. Riding exclusively on private property creates different risks than public land use. Trail riding demands different protection than competition or commercial guiding. Map out where you'll ride most often and under what circumstances to determine appropriate coverages.
2. What's your vehicle's value and replacement cost?
Be realistic about your current investment. Many owners underestimate their vehicle's value by 20-30%, especially when including aftermarket parts. Document modifications and accessories with photos and receipts. Remember that replacement costs often exceed market value, particularly for newer models with limited used inventory.
3. What's your financial exposure if something goes wrong?
Consider not just your vehicle's value, but your overall asset exposure. Medical costs for Powersport accidents typically range from $5,000 to $25,000 or more. Your liability exposure when riding could potentially impact your savings, home, and future earnings. Insurance is about protecting your entire financial picture, not just the vehicle itself.
🚩 Red Flags: When Powersport Coverage Falls Short 🚩
Liability Only on High-Value Vehicles: While liability-only policies cost less ($600-900 annually vs. $1,500-3,600 for full coverage), they leave your vehicle completely unprotected from theft, damage, and collision—the most common Powersport claims.
Inadequate Trail and Off-Road Coverage: Standard policies may exclude damage that occurs outside designated trails or on unmarked terrain. Ensure your policy covers your actual riding locations, not just theoretical ones.
Missing Accessory Coverage: The average Powersport enthusiast adds $1,200-3,500 in aftermarket parts within two years of purchase. Without specific accessory coverage, these investments remain unprotected.
Seasonal-Only Coverage: Theft accounts for 22% of Powersport claims, with most occurring during storage seasons when some owners cancel coverage to save money. Year-round protection with seasonal rate adjustments provides better economics than coverage gaps.
Understanding the Economics of Powersport Protection
Smart coverage isn't about finding the lowest premium—it's about getting the right protection for your riding style and risk exposure at a competitive rate.
Cost Comparisons
ATV Collision Damage:
With comprehensive coverage: $500-$1,000 (your deductible)
Without coverage: $3,500-$7,600+ (full repair/replacement cost)
Snowmobile Theft:
With comprehensive: $500-$1,000 (deductible)
Self-insured: $8,200-$16,000+ (full replacement cost)
Liability for Injury to Others:
With adequate liability coverage: $0 after policy limits applied
Without coverage: $25,000-$250,000+ (medical bills, lost wages, legal defense)
The Real World
30-40% of Powersport owners carry only minimum coverage or no insurance at all, despite 85% of claims on public lands involving uninsured riders.
$600-$3,600 - Annual premium range for ATV insurance, depending on coverage selections. That's $50-$300 monthly to protect vehicles worth $5,000-$25,000+.
42% of off-road accidents are attributed to "loss of control" on challenging terrain, with medical costs averaging $25,000 per incident when injuries occur.
Let's Get Your Adventure Protected
Our powersport specialists will find coverage that fits your riding style and budget, with options from 26+ top-rated carriers.
FAQs
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