Are RTVs Covered by Homeowners Insurance?

June 10, 2021

Rough terrain vehicles (RTVs) have become increasingly popular for both work and recreational purposes. This is a good option to help you maintain your property more efficiently or have fun exploring the great outdoors. Regardless of what you use it for, it’s important to make sure you’re protected while driving. Many people assume utility vehicles are covered by homeowner policies; however, this generally isn’t the case. Instead, you’ll need specialty auto insurance for your RTV. The following guide explains how this type of coverage works.

Do I Need to Insure My RTV?

While your homeowners insurance may provide limited protection while driving an RTV on your own property, you’ll need a separate policy if you plan to take it anywhere else. This will ensure you’re properly covered for any damages or injuries that could potentially occur. Additionally, having specialized coverage will help pay for a replacement in the event your utility vehicle is stolen.

If you add customized accessories to your RTV, you must have the right insurance to cover those parts, as well. In turn, obtaining a policy will protect your full investment and prevent you from experiencing unmanageable out-of-pocket expenses after an incident.

What Does RTV Insurance Cover?

Similar to personal auto insurance, an RTV policy can offer various kinds of coverage, such as liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist. This will cover costs you might incur from damaging someone else’s property or causing another person bodily harm while driving your RTV. It will also pay for repairs to your own vehicle if it’s damaged in a collision, vandalized, destroyed in a fire, or hit by another driver that isn’t adequately insured. 

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If you need reliable coverage for your RTV, turn to Phil Taylor Insurance Agency. They offer a variety of auto insurance solutions and will help tailor a policy to meet your unique needs. Serving the residents of Clarksville, AR, since 1960, this independent agency is dedicated to providing quality products that deliver maximum protection at an affordable rate. Call (479) 754-2616 to request a quote, or visit them online for more information on their services.

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