ASHFORD INSURANCE | HURST ATV COVERAGE
Hurst ATV and off-road vehicle insurance
An ATV can be used on private land, trails, or roads, and the way you use it matters when you review insurance. Before riding around Hurst or taking a vehicle elsewhere, check what your policy covers, where coverage applies, and who may operate the vehicle.
Request a coverage reviewCheck where and how the vehicle is used
Make a list of each ATV, off-road vehicle, or golf cart you own or regularly use. Note whether it stays on your property, travels to a hunting lease or trail, or is driven on public streets. Share those details with your insurance agent and ask what policy language applies to each location and use.
Do not assume a homeowners policy covers every vehicle or every trip. The Texas Department of Insurance says homeowners policies often 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 your homeowners or auto policy, or buy a separate policy. Ask the insurer to explain the actual terms, limits, exclusions, and deductibles.
Review property, liability, and driver questions
Property
Ask what protection, if any, applies if the ATV is stolen or damaged. Review limits, exclusions, and deductibles for the specific vehicle.
Liability
Ask whether liability coverage applies if the vehicle injures someone or damages another person’s property. Coverage varies by policy, so request answers in writing.
Drivers
Before lending the vehicle, check the policy rules for other operators and consider the potential responsibility if they have an accident.
If you rent a golf cart and drive off the course, or take an ATV off a deer lease, the facility’s policy may not cover you or the vehicle. TDI notes that exceptions exist, so check the policy with the facility and your own insurer before the trip.
For more detail, read the Texas Department of Insurance guide, “Does insurance cover ATVs and golf carts?”
Get a coverage review in Hurst
Bring your policy, vehicle details, where you ride, and a list of intended drivers to a coverage conversation. Ashford Insurance lists its Hurst office at 1245 Southridge Court, Suite 101, Hurst, TX 76053. Call ahead to arrange an appointment or contact the agency to discuss your questions.
Contact Ashford Insurance or call 817-952-3153.