Let’s face it, off road vehicles and personal water crafts are fun. Off road vehicle and PWC insurance are critical tools to make sure you keep them fun. Whether you are a recreational ATV rider or jet skiier, or use your side-by-side to manage miles of fence line, having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of off road vehicle insurance to cover different types of vehicle needs.
Jet Ski Insurance:
Jet ski insurance is simply a good idea due to the risks of the sport. Many people ride their jet skis in rivers where the water can be murky enough that shallow areas and obstacles just below the surface of the water are hard to detect. A collision with a rock or a fallen tree branch can put a nice rip in your hull. Your jet ski may also be damaged in the trailer if you are in a collision to or from home.
When considering jet ski insurance, be sure to think about your liability risk while operating your watercraft. Especially when you are riding in a highly trafficked waterway, it is possible to hit a swimmer, collide with another PWC or injure a passenger. A jet ski policy can help to cover injuries and damages you or another rider on your policy sustained.
Some homeowners insurance plans allow you to add your jet ski to your policy. Be sure to look at the coverage and determine if it can fully meet your needs.
All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still just as good. If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it’s also a big investment. What happens if it’s sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it? What if you’re not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard, or it’s hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?
If you’re lucky enough to have a State-managed four wheeler trail network you’re most likely going to need insurance for your quad to ride on State land. We can help with all of these scenarios.
Dirt Bike Insurance:
Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.
Side-by-Side and Full Size 4WD Insurance:
Many of the vehicles that never see pavement, or aren’t registered, are of high value. You wouldn’t buy an $8,000 car and not insure it, but would you buy a side-by-side and leave it uninsured? If you’re a rock crawler why wouldn’t you protect your $30,000 toy from liability, uninsured accidents, and theft? If it falls off a trailer, will you pay damages out of pocket? If your Jeep rolls over and damages someone else’s vehicle, who will cover those damages? Many off road toys are high value, high investment, but owners simply don’t think they need coverage because they’re not on the road. Don’t leave your side-by-side, Jeep, or buggy vulnerable to anything other than the trails you’re on.
If you have questions or would like more information, call any of our 3 locations in the Chicago-land area today. Our customer service representatives are eager to share their knowledge and speak with you about any insurance related topic. Zeiler Insurance is an independent insurance agency and has been providing quality customer service for 101 years in our Alsip, Chicago, and Gurnee locations. Our goal is to help you understand insurance as well as provide you with the most competitive insurance rates in the industry. Whether you are a customer or just want more information, let us help you with our years of expertise in the insurance business.