Motorcycle & ATV Insurance

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Motorcycle insurance requirements vary by state and situation. If you ride on public roads, you may be required to carry certain types and amounts of insurance. Even when a particular coverage isn't required, additional protection may help cover expenses resulting from an accident, theft, or other covered loss.

Davis Hill Insurance can help you understand the coverage requirements that apply to you and find a policy that meets your needs.

Coverage depends on the policy you choose. Motorcycle insurance may include liability coverage as well as optional protections such as collision, comprehensive, uninsured/underinsured motorist coverage, and medical-related coverage where available.

We can review the available options with you so you understand what your policy does—and does not—cover.

Comprehensive coverage may provide protection if your motorcycle is stolen, subject to the terms, limits, deductible, and exclusions of your policy. Comprehensive coverage may also protect against certain non-collision losses, such as fire, vandalism, falling objects, or weather-related damage. 

Coverage may be available for custom parts, accessories, equipment, and modifications, depending on the insurer and policy. If you've invested in upgrades to your bike, tell us about them so we can help determine whether additional coverage should be considered. 

Yes, depending on the insurance carrier, you may be able to insure multiple motorcycles under the same policy and may qualify for available discounts. Ask Davis Hill Insurance about options for households with more than one bike. 

They may be. Depending on the insurance company, discounts can be available for factors such as insuring multiple vehicles, bundling policies, completing an approved motorcycle safety course, maintaining a qualifying driving record, or meeting other eligibility requirements.

We'll help identify discounts for which you may qualify.

Insurance requirements for ATVs can depend on where and how the vehicle is used. A lender, property owner, riding park, or other organization may also have its own insurance requirements.

Even when ATV insurance isn't required, coverage can provide valuable financial protection against certain accidents, injuries, theft, and damage.

An ATV policy may offer liability, collision, comprehensive, uninsured/underinsured motorist, and other available coverages. The exact protection depends on the policy, insurance carrier, vehicle, and how the ATV is used. 

You shouldn't assume that your homeowners policy provides complete protection for an ATV. Coverage under a homeowners policy can be limited or excluded depending on where and how the ATV is used.

A separate ATV policy may provide broader protection. Davis Hill Insurance can review your situation and help you determine the appropriate coverage.

Coverage may apply to certain covered accidents while riding on trails, but it depends on the policy terms, location, permitted use, and applicable exclusions. It's important to discuss where you normally ride when selecting coverage. 

If your policy includes comprehensive coverage, it may help pay for a covered loss involving theft, vandalism, fire, or certain weather-related damage, subject to your deductible, policy limits, and exclusions. 

Yes, insurance may be available for many types of off-road vehicles, including ATVs, UTVs, side-by-sides, and other recreational vehicles. Available coverage varies by vehicle and insurer. 

Depending on the carrier, multiple recreational vehicles may be eligible for coverage under one policy or for multi-vehicle discounts. We can compare available options based on the vehicles you own. 

The cost varies based on factors such as the type and value of the vehicle, coverage selections, deductibles, riding history, location, usage, and other underwriting factors.

Because rates and coverage can differ significantly between insurance companies, working with an independent insurance agency can make it easier to compare available options.

At Davis Hill Insurance, we help make insurance easier to understand. Instead of simply looking at price, we'll help you consider coverage, deductibles, limits, available discounts, and the protection that makes sense for your situation.

Whether you're insuring a motorcycle, ATV, UTV, or side-by-side, we're here to help you find coverage so you can spend less time worrying about insurance and more time enjoying the ride.

Ready to review your coverage or request a quote? Contact Davis Hill Insurance today. We'll help you compare available motorcycle and ATV insurance options and find coverage that fits your needs and budget.

Coverage availability, eligibility, limits, discounts, and policy terms vary by insurance carrier and state. This information is general in nature and does not modify or replace the terms and conditions of any insurance policy.