Off-Road Vehicle Insurance in Temple, Texas

What Is Off-Road Vehicle Insurance?

Off-road vehicle insurance is specialized coverage for ATVs, UTVs, side-by-sides, dirt bikes, and other recreational vehicles designed for off-highway use. Your auto policy does not cover these vehicles, and your homeowners insurance has serious limitations. For Temple riders who enjoy trails, ranches, or private property, off-road vehicle insurance provides protection against theft, damage, liability, and medical expenses.

Winkler Insurance helps Central Texas OHV enthusiasts find coverage from carriers that specialize in recreational vehicles.

Why Temple Riders Need Off-Road Vehicle Insurance

Off-road vehicles are fun but face real risks. Here's why dedicated coverage matters:

• Auto insurance doesn't apply. Your car insurance policy excludes off-road vehicles entirely.


• Homeowners coverage is limited. Most home policies only cover liability on your property—not damage to your OHV or injuries off your land.


• Theft is common. ATVs and UTVs are frequent theft targets.


• Accidents happen. Rollovers, collisions, and injuries are real risks on trails and rough terrain.


• Liability exposure exists. If you injure someone or damage property, you could face significant claims.

What Does Off-Road Vehicle Insurance Cover?

An OHV insurance policy typically includes:

Collision Coverage
Pays to repair your ATV, UTV, or dirt bike after an accident on or off your property.

Comprehensive Coverage
Covers theft, vandalism, fire, and weather damage whether your vehicle is stored at home or on a trailer.

Liability Coverage
Pays for injuries or property damage you cause while operating your off-road vehicle.

Medical Payments Coverage
Covers medical expenses for you and passengers injured in an accident.

Uninsured Motorist Coverage
Protects you if another uninsured OHV operator causes an accident.

Accessory Coverage
Covers custom parts, accessories, and modifications you've added to your vehicle.

Does Homeowners Insurance Cover My ATV?

Not adequately. Most homeowners policies provide limited liability coverage only when you're operating an ATV on your own property. They don't cover damage to the vehicle itself, injuries off your property, or theft in many cases. Dedicated off-road vehicle insurance fills these gaps for Temple riders.

How Much Does Off-Road Vehicle Insurance Cost in Texas?

Off-road vehicle insurance typically costs $100 to $500 annually depending on your vehicle's value, coverage limits, and how you use it. UTVs and side-by-sides cost more to insure than smaller ATVs. Temple riders can often bundle OHV coverage with auto or homeowners insurance for discounts.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas families protect their recreational vehicles. As an independent agency, we work with carriers that specialize in off-road vehicle coverage. Our Temple agents understand OHV insurance and help you get the protection you need to ride with confidence.

Get an Off-Road Vehicle Insurance Quote in Temple, Texas

Our off-road vehicle insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.