Personal Insurance · Bancorp Insurance
ATV & Snowmobile Insurance
Protect Your Toys. Own Every Trail.
Oregon’s dunes, snow parks, and backcountry trails are your playground. Make sure an accident doesn’t turn a great day into a costly one.
✓ Snowmobiles
✓ Off-Road Vehicles
✓ Powered by OneDigital
Why It Matters
One Accident Can Change Everything
According to the Consumer Product Safety Commission, over 107,000 people were treated for ATV-related injuries in a single year. If your ATV or snowmobile is uninsured, you could be personally liable for every dollar of damage or injury.
You Can Be Held Liable
If your ATV or OFV is uninsured and causes injury or property damage, you’re personally responsible for the costs. Medical bills, legal fees, and damages can escalate fast.
Oregon’s Terrain Is Demanding
From the Cascade snow parks to the Oregon Dunes, our state’s terrain is spectacular — and unforgiving. Accidents happen even to experienced riders.
Your Equipment Is an Investment
ATVs, UTVs, and snowmobiles are expensive. The right coverage protects your machine from collision, theft, fire, vandalism, and weather — not just accidents.
What We Insure
Every Off-Road Vehicle Covered
From the dunes to the backcountry, we’ve got the right coverage for every kind of off-road adventure.
🏍️
ATVs
🚘
UTVs / Side-by-Sides
❄️
Snowmobiles
🏊
Dirt Bikes
🏖️
Dune Buggies
🚗
3-Wheelers & OFVs
Frequently Asked Questions
ATV & Snowmobile Insurance Q&A
Common questions from off-road riders and winter sports enthusiasts.
Does my auto or homeowners policy cover my ATV? +
Generally no. Most auto and homeowners policies exclude off-road vehicles or only provide very limited coverage. A dedicated ATV/OFV policy is the only way to make sure you’re fully protected on and off the trail.
Am I covered if I ride on public land or trails? +
Coverage varies by policy. Some policies cover public trails, OHV parks, and forest roads while others are limited to private property. We’ll make sure your policy matches where you actually ride.
What is guest passenger liability? +
If a passenger on your ATV or OFV is injured, guest passenger liability covers their medical expenses. This is especially important for UTVs and side-by-sides that regularly carry passengers.
What does gear replacement coverage include? +
Up to $1,000 per person, per incident to replace your helmet, riding jacket, gloves, and other safety apparel that is lost or damaged in a covered accident. Riding gear is expensive — this coverage makes sure you don’t have to absorb that cost.
Can I bundle ATV insurance with my home and auto? +
Yes — bundling your ATV or snowmobile policy with your home and auto coverage can save you money on all three. Ask us about multi-policy discounts when you get your quote.
Is my snowmobile covered while being trailered? +
Coverage while trailering depends on your specific policy. We’ll review exactly where and when your snowmobile is covered — on the trailer, at the trailhead, and on the snow — so there are no surprises.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it.
