Hit the Trails Protected

From the dunes of Silver Lake to the snowmobile trails of the U.P. We insure your off-road adventures against theft, crashes, and liability.

Get Off-Road Quote Call 248-609-3133

Year-Round Protection

Michigan is an outdoor playground. Whether you are mudding in the summer or riding the trails in January, we have carriers that specialize in powersports.

Theft & Fire

These toys are major targets for theft, whether from your garage, driveway, or trailer. Our Comprehensive coverage pays to replace them if stolen.

Coverage for Every Season

Liability

Bodily Injury: Pays if you hurt someone else in a crash on the trail.
Property Damage: Pays if you damage someone's fence, car, or other property.
Guest Passenger: Essential coverage if you ride with friends or family on the back.

Physical Damage

Collision: Repairs your sled or quad if you hit a tree, rock, or another rider.
Comprehensive: Covers fire, theft, vandalism, and weather damage.
Accessory Coverage: Protects your winch, plow, light bars, and custom upgrades.

Get A Powersport Quote

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Off-Road Insurance FAQs

Only if you use it SOLELY on your own property for maintenance. Once you take it off your land (to a trail, a friend's house, or a park), homeowners coverage stops completely. You need a dedicated policy.

Yes. We can often add your utility or enclosed trailer to the same policy so everything is covered in one place.

It is not strictly mandatory to register, but if you finance the vehicle, the lender will require it. Also, liability coverage is strongly recommended as trail accidents are common and can be costly.