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Home » Off-Road Vehicle Insurance in Beaumont, TX

Off-Road Vehicle Insurance in Beaumont, TX

Off-road vehicle insurance is designed to be a financial safeguard for individuals who own recreational vehicles not meant for conventional road use. Unlike traditional auto insurance, off-road vehicle insurance is tailored to protect these off-road machines, their operators and their passengers from the unique risks and perils that arise while navigating rough and often unpredictable terrains.

What Is Off-Road Vehicle Insurance?

Off-road vehicle insurance covers vehicles used for recreational purposes, such as all-terrain vehicles (ATVs), dirt bikes, dune buggies, snowmobiles and off-road trucks. Off-road vehicle insurance covers these vehicles when used off public roads, such as on private property, designated recreational areas or off-road trails. man and woman riding on ATV

What Does Off-Road Vehicle Insurance Cover?

Off-road vehicle insurance typically includes the following coverage:

  • Liability coverage—This type of insurance can provide coverage if you cause injury to another person or damage to their property while operating your off-road vehicle. It can help cover medical expenses, legal fees, and property damage costs for third parties.
  • Physical damage coverage—This part of the policy can help repair or replace your off-road vehicle if it’s damaged in an accident or due to other covered perils like theft or vandalism.
  • Comprehensive coverage—Comprehensive coverage can protect your off-road vehicle against non-collision events, such as fire, theft, vandalism and select natural disasters.
  • Uninsured/underinsured motorist coverage—This coverage is helpful if you’re involved in an accident with an uninsured or underinsured driver. It can help cover your medical expenses and property damage costs.
  • Medical payments coverage—This type of coverage can assist with your medical expenses if you or your passengers are injured in an off-road vehicle accident.
  • Custom equipment coverage—If you’ve added aftermarket or custom parts to your off-road vehicle, custom equipment coverage can help repair or replace them in case of damage or theft.
  • Trailer coverage—If you use a trailer to transport your off-road vehicle, some policies may include coverage for the trailer itself.


Contact Miller Insurance Agency to determine if off-road vehicle insurance is right for you. We can make coverage recommendations based on your vehicle and driving habits.