ATV & Snowmobile Insurance

Whether you're carving trails in winter or exploring the countryside in summer, your ATV or snowmobile deserves coverage that goes the distance. At Elliott Insurance Services, we offer customized insurance solutions to keep you protected—on and off the beaten path.

Tailored Coverage for Recreational Vehicles

Off-road vehicles aren’t always fully covered by your home or auto policy. That’s why we work with trusted providers to offer dedicated insurance options for your All-Terrain Vehicles (ATVs) and snowmobiles, including year-round and seasonal coverage. From theft and collision to third-party liability, we’ll make sure you’re protected wherever your adventures take you.

Coverage Options for ATVs and Snowmobiles:

Physical Damage

Covers damage from accidents, vandalism, fire, and theft—whether in use, in storage, or in transit.

Liability Coverage

Protects you if you cause injury to someone else or damage their property while operating your recreational vehicle.

Replacement Cost Coverage

Available for newer models—replaces your unit with a brand-new equivalent in the event of a total loss.

Optional Add-Ons

Ask us about bundling with home or auto insurance, emergency roadside assistance, or trailer coverage.

How You Insure Matters

ATVs

Often added to your homeowner’s policy, but separate policies are available for more comprehensive protection and replacement value coverage.

Snowmobiles

Require a sled insurance policy or must be added to an existing personal auto policy to be fully protected for theft, damage, and liability.

Benefits of Working with Elliott Insurance

Serving Maidstone and surrounding areas since 1980

Providing trusted insurance solutions with experience and dedication.

A proud part of the local business community

Committed to supporting local families, businesses, and industries.

Dedicated to personalized, friendly service

Helping you find the right coverage with expert, one-on-one guidance.

Protection for Your Off-Road Adventures

Our team will guide you through the right setup based on your usage, vehicle value, and existing coverage.

Ready to ride worry-free? Call us or request your free quote today.

Frequently Asked Questions

Can I just add my ATV or snowmobile to my home insurance?

Sometimes, yes—but coverage may be limited. For broader protection and liability coverage, a separate policy is often a better choice.

Liability insurance isn’t always legally required, but it’s highly recommended. If you cause injury or property damage, liability coverage protects you financially.

Seasonal vehicles can still be insured for risks like theft or fire during the off-season. We’ll tailor your policy to cover year-round or seasonal needs.

Absolutely. We can insure both new and used recreational vehicles—just let us know the model, year, and condition.