ATV Insurance in Grand Junction, Montrose and surrounding areas in Colorado

Explore the Trails With Confidence.

Your ATV represents a considerable recreation investment. And as you’re riding, the last thing you’ll want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Home Loan Insurance, you can ride with confidence knowing that you’re properly insured.

No matter what type of vehicle you have, whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can get the ATV Insurance you want and the protection you deserve with specialized coverage options, including:

• Collision Coverage – for damage to your ATV from rocks, trees, and other obstacles or debris
• Comprehensive Coverage – as extra security for loss or damage from theft, fire, or vandalism
• Property Damage – to cover expenses to another person’s property for which you are liable
• Bodily Injury – that pays medical expenses to others if you’re held liable in an accident
• Uninsured Motorist – to protect you from loss or damage caused by uninsured and underinsured riders

Home Loan Insurance is dedicated to offering you the best possible coverage at a price you can afford. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV, along with a medical payments option for yourself and your passengers. You may also be eligible for money-saving discounts when you insure multiple vehicles or if you’ve successfully completed a rider safety course.

Discounts and coverage options can vary according to your location and specifications. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a recreational plan that best fits your needs.

Recent Legislative Update: HB 1054

This bill authorizes a person to drive an off-highway vehicle on a county roadway if the person has a driver's license and obeys the rules of the road. Off-highway vehicles are subject to the law against careless driving and a speed limit of 40 miles per hour unless local authorities raise it. The bill also authorizes a person to register an off-highway vehicle with the department of revenue, which issues license plates to registered vehicles. If a person registers an off-highway vehicle, the person may drive on county roads, as approved by the board of county commissioners. A person must comply with the following to operate a registered off-highway vehicle on a roadway:

• The vehicle must have insurance;
• The vehicle must display the license plate issued by the department;
• The driver must wear eye glasses or a helmet with eye protection;
• The vehicle must have brakes, a head lamp (if driven at night), and tail lights; and
• The driver and any passenger must wear a helmet if both are under 18 years of age. To register an off-highway vehicle, a person shall pay:
• The license plate fee;
• The motorist insurance identification fee; and
• A registration fee of $10. A county may authorize and regulate the use of off-highway vehicles, authorize people to drive on roads without a driver's license, and enter into cooperative agreements with the federal government to enforce off-highway vehicle ordinances. A county must publish a map of all roadways available for off-highway vehicle use. Violations are classified as class B traffic infractions, with a penalty of $15 to $100 and no license suspension points. Except for off-highway vehicles used for agriculture, all off-highway vehicles must get a certificate of title by July 1, 2016. The penalties for this requirement are phased in until 2017.

Call us with any questions you have about the new House Bill.