Fall is a great time to take your off-road vehicles on to the “beaten paths.” Where is a better place to view the changing colors of the leaves than right in between a forest of trees? Of course, the proper precautions should be taken. Safety always comes first when it comes to your off-road toys. Talk to your agent about proper off-road vehicle insurance.

Whether you are sporting an ATV, dirt bike or side-by-side or full-size 4wd vehicles, there are varying types of coverage to fit your usage and adventures. Similarly to automobile insurance, you can purchase liability coverage for both bodily injury and property damage to others. Physical damage coverage is rated based upon the actual cash value (ACV), just like your car insurance. If you purchase extra equipment for your off-road vehicles, you can add additional coverage to your policy to protect your investments.  Usage can continue into the winter for some of your toys, but don’t forget that insurance coverage for stored toys can be reduced to a comprehensive plan. Your Massachusetts insurance agent can discuss details with you and find a policy to suit your needs—no matter what the season!