• Liability limits up to $500,000 (CSL) - higher than limits generally set by homeowner's insurance

• Recreational use and off-premises coverage of your ATV

• ATV custom parts and equipment coverage

• TAIO's superior claims service for ATVs

ATV insurance is probably required if you ride your vehicle on public lands.

Why isn't my homeowner's policy a good place to insure my ATV?

Like many people, you may be tempted to insure your ATV on your homeowner's policy. But did you know that the typical homeowner's policy provides only minimal ATV coverage? And if you take your ATV off your property to camp, hunt or ride, it may not cover you at all. Most often, homeowner's policies only cover ATVs when you are riding on your own property. You can count on low cost specialized insurance purchased through TAIO if your ATV is damaged or stolen anywhere you ride.

How can I keep my ATV insurance rates low?

Several factors affect your insurance rates. While you can't control all of the factors that apply to you, there are a few things you can do:

• Ride Your ATV Carefully
  Maintaining a clean driving record and avoiding accidents that require you to file a claim can help keep your ATV insurance rates low.

• Choose Your ATV Carefully
  ATVs with larger displacement engines, as well as those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.

• If you enjoy riding as much as we do -- buy more ATVs!
  When you insure more than one ATV on your policy, you'll receive a discount from our carriers.