ASHFORD INSURANCE | GRAPEVINE OFF-ROAD COVERAGE
Grapevine ATV and off-road vehicle insurance
Where you ride and who uses your vehicle matter when you review coverage. Ashford Insurance serves Grapevine from its Hurst office and can help you ask the right questions about ATVs, off-road vehicles, and policy limits.
Request a coverage reviewStart with how you use the vehicle
List each ATV, side-by-side, or golf cart you own and tell your agent where it is stored and operated. Is it used only on your property, taken to trails or a lease, or driven on streets? Do not assume the same policy applies in every setting. Ask the insurer which locations, drivers, and uses the policy covers, and what it excludes.
The Texas Department of Insurance (TDI) says most homeowners policies provide limited coverage for golf carts and off-road vehicles, especially away from the property or on streets. Depending on the vehicle and use, you might be able to add coverage to a homeowners or auto policy or buy a separate policy. The actual policy terms control.
Questions worth asking before a ride
Damage and theft
Ask what protection may apply to the vehicle itself, whether on your property or elsewhere. Review deductibles, limits, and exclusions.
Liability
Ask when coverage may apply if someone is injured or another person’s property is damaged. Confirm the answer for your intended use.
Other riders
Check the rules for household members and people who borrow the vehicle. TDI warns that you could be liable if a friend has an accident.
If you rent an off-road vehicle or use one at a facility or lease, do not assume the facility’s insurance follows you everywhere. TDI advises checking those terms and your own policy first. Road-use rules also depend on the vehicle: do not assume that an off-road vehicle is permitted on a public street or that a road-use insurance requirement applies to every ATV.
Talk through coverage with Ashford
Bring your current policy, vehicle details, and a list of likely drivers. Ashford’s office is at 1245 Southridge Court, Suite 101, Hurst, TX 76053, and serves Grapevine customers. Ask about specific limits and exclusions before relying on coverage for a trip. Availability and claims depend on the insurer and issued policy.
Contact Ashford Insurance or call 817-952-3153.