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Rider Knowledge: Nationwide Offers Five Tips for Choosing ATV Insurance

As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. The experts at Nationwide remind owners to make sure their insurance coverage is in gear before heading out for a ride.

"Over the past decade the popularity of ATVs has grown, with over seven million currently in use. Whether you're riding a sport or utility ATV, it's imperative that you protect your quad with the proper insurance coverage," says Mitch Roggemann, national sales director for Nationwide's Property & Casualty Specialty Products.

ATV owners should consider the following Nationwide tips when choosing coverage for their vehicle.

  • Cover your ATV with a dedicated policy. If your ATV is covered under a homeowner's policy, you may not be as protected as you think. Many riders don't realize that ATV damage usually is not covered under a homeowner's policy if the ATV is driven off the insured individual's property. Companies like Nationwide have stand-alone policies for ATVs that keep you covered on, and off, your property.
  • Take a safety course. These courses will take you through every step of riding, from unloading your vehicle to traversing tough trails. Many companies offer policy discounts for riders who have completed a safety course.
  • Protect the extras. If you're adding a personal touch to your ATV, check on insurance coverage first. Some policies include custom equipment as part of the standard coverage - a big benefit if you are investing in costly upgrades.
  • Stay on the road. Many owners trailer their ATVs to their favorite riding spot. Be sure your coverage includes reimbursement for lodging, transportation and meals if you are stranded due to an accident or breakdown. Nationwide provides assistance for riders in unexpected situations.
  • Check to see if one policy can cover all your motorized transportation and toys.  Nationwide policies cover up to 12 vehicles, including motorcycles, Segways, golf carts, dune buggies, and snowmobiles.  Whether you travel on two wheels or four, don't forget the proper coverage.

Nationwide's policies cover theft, collision, vandalism, and damage caused by uninsured or underinsured drivers with some conditions and exclusions. To learn more about ATV or powersports insurance or to find an agent, visit

About Nationwide
Nationwide, based in Columbus, Ohio, is one of the largest diversified insurance and financial services organizations in the world, with more than $160 billion in assets.  Nationwide ranks #104 on the Fortune 500 list.  The company provides a full range of insurance and financial services, including auto, motorcycle, boat, homeowners, life, commercial insurance, administrative services, annuities, mortgages, mutual funds, pensions, long-term savings plans and health and productivity services. For more information, visit

Nationwide, the Nationwide Framemark and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company.

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