ATV & Powersports Insurance
Adventure Ready Coverage for Your Favorite Toys
From weekend rides in the Rockies to backcountry trails and open terrain, your powersports vehicles deserve protection that keeps up with your lifestyle. NestGuard Insurance offers specialized coverage for ATVs, UTVs, side-by-sides, dirt bikes, and more—so you can focus on the thrill, not the risk.
Whether it's for recreation or work, we’ll help you find the right policy to protect your investment and your adventure.
Frequently Asked Questions
What does ATV or powersports insurance really cover?
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A normal policy can include liability (if you injure someone or damage property), collision (damage to your vehicle in an accident), comprehensive (non-collision losses like theft or fire), and medical payments. You can also add optional coverages like accessory protection, roadside, or trailer coverage depending on how you ride.
Is my ATV or UTV covered by my homeowners policy?
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Typically, not. Homeowners insurance may offer limited coverage, but it usually doesn’t protect you if you’re riding off your property or if someone gets injured while operating it. A dedicated ATV or powersport policy ensures you have the right protection wherever your next adventure takes you.
What factors affect the cost of my powersports policy?
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Several factors influence your premiums, including the type of vehicle, its value, your driving history, how often and where you ride, and the coverages you select. Custom parts or performance upgrades can also play a role in pricing. We’ll help you find the right balance of protection and price.
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