ATV and UTV insurance · Lebanon, TN
ATV and UTV Insurance in Lebanon, TN
Whether your side-by-side hauls hay or hits the trails, I’ll help you cover the machine and your liability.
Dustin Rodgers and team
Serving Lebanon from our Mt. Juliet office
Your local agent
Coverage for work and play off the pavement
Your homeowners policy may cover very little once an ATV leaves your property, if anything. An ATV or UTV policy can help with damage to the machine and with liability if someone gets hurt. We’ll talk through how you ride and who rides with you.
Coverage
What can ATV and UTV coverage include?
These are the coverages most riders ask about.
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Liability
Can help if you injure someone or damage property while riding.
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Collision
Can help repair your machine after a crash.
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Comprehensive
Can help with covered theft, fire, vandalism or storm damage.
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Medical payments
Can help with medical bills for you or a passenger after a covered accident.
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Accessories
Winches, plows, racks and other add-ons, with limits.
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Uninsured motorist
Can help if someone without enough insurance injures you, where available.
How a policy treats farm use, racing and riding on roads varies. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Options worth asking about
A few choices can fit the policy to how you ride.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Coverage for added accessories
- Higher or lower deductibles
- Seasonal riding
- Covering more than one machine
- Bundling with home or auto
Around Lebanon
Riding around Lebanon
Around Lebanon and the rest of Wilson County, side-by-sides do real work on farms and big lots, and plenty come out on weekends too.
Tennessee has specific rules about when off-highway vehicles can be driven on public roads, and how they’re titled and registered. Check the state’s rules before you ride on a road.
Sources: Tenn. Code 55-8-185: off-highway vehicles on public roads · Tennessee Department of Revenue: off-highway vehicle title and registration
Kids riding?
If young riders use your ATV, tell us. Some policies have age rules for drivers.
Areas we serve
Areas I Serve
I work with ATV and UTV riders in Lebanon, Watertown, Mt. Juliet and across Wilson County, plus Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, a short drive west of Lebanon on I-40, so it’s easy to stop in or handle things by phone.
Closer to a neighboring town? See ATV and side-by-side coverage in Watertown and Hermitage ATV and side-by-side coverage.
Why a local agent
Why work with a local agent?
- One local office: You call 615-562-5100 and talk with someone on Providence Pkwy, not a call center.
- Plain answers: We’ll explain what a coverage does and doesn’t do before you decide anything.
- Help when something happens: If you have a claim, we can walk you through the first steps and who to call.
- Serving Middle Tennessee since 2011: We’ve been helping neighbors in Wilson, Davidson and Sumner counties for years.
Reviews
What Lebanon Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Lebanon ATV And UTV Insurance FAQs
Updated
Does my homeowners policy cover my ATV?
Often only in a limited way, and sometimes only on your own property. A separate ATV policy can fill the gaps.
Is ATV insurance required in Tennessee?
A lender may require it if you financed the machine. Liability is worth considering either way. Ask us about your situation.
Can I ride my UTV on the road?
Tennessee law limits when off-highway vehicles can be on public roads. Check the state’s rules and your local rules before you do.
Is my side-by-side covered for farm work?
It depends on the policy. Tell us how you use it so we can set it up the right way.
Are accessories covered?
Many policies can cover add-ons like winches and plows, with limits. List them when you get a quote.
Can my kids ride?
Some policies have rules about young drivers. Tell us who rides.
Can I insure more than one ATV?
Usually, yes. We can look at all your machines together.
Do you work with Lebanon riders from Mt. Juliet?
Yes. Lebanon is just down I-40 from our office.
What do I need for a quote?
The year, make, model and VIN, any accessories, who rides, how you use it, and your current policy if you have one.
Get an ATV or UTV quote
Tell us about your machine and how you ride, and we’ll follow up, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about ATV and UTV insurance or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed