All-terrain vehicles are a lot of fun but carry a liability risk the same as your automobile or boat, as well as the risk of theft, vandalism, etc.

Most companies provide specific insurance coverage tailored to ATV's. Here is a general description of coverages available:

Physical Damage coverage protects you from loss or damage to your ATV from vandalism, theft, fire, explosion, lightning, hail, windstorm, damage in transit, and from collision.

Bodily Injury / Property Damage coverage protects you against injuries from a covered accident or damage to someone's property if you're found liable.

Medical Payment coverage protects you against medical expenses for you or a passenger in a covered accident.

It's also a good idea to check into coverage for your ATV in the off-season while it's not in use.