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ATV and UTV insurance coverage in Knox County, Ohio
ATV & UTV Insurance

ATV & UTV insurance for Ohio riders

Off-road doesn't mean off the hook

ATVs, UTVs, and side-by-sides aren't covered by your auto policy, and most homeowners policies stop the moment a four-wheeler leaves your property. Trail riders, hunters, and farm operators all need a dedicated off-road policy — and Ohio has its own quirks around where ATVs can be ridden and what counts as a roadway.

DePolo & Associates writes ATV and UTV coverage that meets the way these machines actually get used in Knox County: trail systems, private property, hunting season, and the occasional ride down a county road where it's permitted.

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ATV and UTV coverage on Ohio trails

What ATV/UTV insurance covers

A solid off-road policy covers liability for injuries or property damage you cause to others, collision and comprehensive for your own machine, medical payments for the rider and passengers, and protection against uninsured riders. Custom parts, winches, plows, and racks can be added so the value of your upgrades is actually covered when something breaks.

  • Liability (Bodily Injury & Property Damage)
  • Collision
  • Comprehensive
  • Uninsured / Underinsured Rider
  • Medical Payments
  • Custom Parts & Accessories
FAQ

Frequently Asked Questions

Is ATV insurance required in Ohio?
Ohio does not require liability insurance for ATVs and UTVs ridden on private property, but you do need it for any operation on permitted public roads. Many trail systems, hunting leases, and parks also require proof of liability coverage. We help you carry the right limits whether you're hitting state forests or your own back forty.
Will my homeowners policy cover my ATV or UTV?
Only on your own property, and only in narrow situations. The moment the machine is loaded on a trailer, ridden on a road, or used at a hunting camp, homeowners coverage typically does not apply. A dedicated ATV/UTV policy fills that gap.
Are accessories like winches, plows, and racks covered?
Standard policies often have a small built-in limit for accessories. If you've added a winch, plow, audio system, light bar, gun rack, or aftermarket suspension, ask about Custom Parts & Equipment coverage so the upgrades are protected at their real value.
What about side-by-sides used on a farm?
Farm-use side-by-sides can sometimes be added to a farm policy and sometimes need a stand-alone ATV policy — it depends on usage. We sort that out so the machine isn't accidentally underinsured and you're not paying for the wrong type of policy.
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Coverage for trail, farm, and hunting use

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