ATV and UTV coverage guide · Middle Tennessee
How Much ATV Insurance Do I Need?
Your homeowners policy probably doesn’t cover much off-road. Here’s what to think about.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
ATV and UTV owners usually want liability for injuries or damage to others, physical damage coverage that fits the machine’s value and coverage for added equipment. Where and how you ride matters.
Coverage
Sizing your atv insurance, step by step
Work through these for your atv insurance. Rough answers are fine to start.
-
1. Liability
Riding with friends or on others’ land raises liability questions.
-
2. Physical damage
Collision and comprehensive for the machine itself.
-
3. Accessories
Winches, plows and cabs may need to be listed.
-
4. Medical payments
Can help with rider and passenger injuries.
-
5. Use on the farm
Tell us if the machine is used for work.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about atv insurance
Having these nearby makes a atv insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Year, make and model
- Value and add-ons
- Who rides
- Where you ride
Around Middle Tennessee
What people often miss with atv insurance
Homeowners policies often limit or exclude off-premises ATV use.
Farm use can change what coverage fits.
Many off-road accidents happen on someone else’s land or with a friend driving. Think about who rides your machines, whose property you ride on and whether kids ride, then tell us so we can look at liability and medical payments together.
Sources: Tennessee Department of Revenue: off-highway vehicle title and registration
Ride safe
Tennessee has rules for off-highway vehicles. Check the state’s current rules.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our 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
Middle Tennessee ATV And UTV Coverage Guide FAQs
Updated
Does homeowners cover my ATV?
Usually only in limited ways on your property. Most riders need a separate policy.
How much liability do I need?
It depends on what you want to protect.
Are kids riding covered?
Tell us who rides. Rules vary by policy.
Does it cover my side-by-side?
UTVs can usually be insured too.
Is theft covered?
Comprehensive coverage can help with theft.
Are accessories covered?
They may need to be listed.
Can I bundle with my home?
Often, yes.
How do I start?
Call 615-562-5100.
Does my policy cover a friend driving my ATV?
It depends on the policy and who is listed. Tell us who rides.
Is a hunting or farm-use ATV treated differently?
Work and farm use can change what fits. Tell us how you use it.
Questions about your atv insurance?
Tell us a little about your situation and we’ll follow up about your atv insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about ATV and UTV coverage guide 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