Your homeowners stops at the property line. This doesn't.
The second your ATV or side-by-side leaves the yard — onto a trail, public land, or a friend's acreage — most homeowners policies stop covering it, if they ever did. A Liberty Mutual off-road policy is built for where you actually ride: liability that follows the machine off the property, damage coverage for the ATV itself, gear replacement that pays even on a liability-only policy, and towing when you're stuck miles from the truck. Here's what it covers, how Arkansas off-road rules work, and the discounts that lower the price. From an independent agency that places Liberty Mutual every day.
The short answer
A Liberty Mutual off-road policy covers your ATV, side-by-side, or other off-road machine where a homeowners policy usually won't — off your property, on trails and public land. It provides liability that follows the machine, collision and comprehensive for the ATV itself, gear replacement (often even on liability-only), custom parts coverage, and off-road towing and recovery. Arkansas doesn't require insurance for off-road use — but homeowners exclusions and real liability make it worth carrying. Backed by an A (Excellent) carrier, quoted against 40+.
The core policy, off the pavement.
The foundation looks like auto coverage — liability, damage to the machine, protection from others — but tuned for how off-road vehicles are actually used, and where.
Liability
Covers injuries and property damage you're responsible for while riding — the coverage that carries past your property line, where a homeowners policy typically stops. This is the heart of an off-road policy.
Collision
Helps repair or replace your machine after a collision or a rollover — the way off-road vehicles most often get damaged — regardless of fault.
Comprehensive
Covers theft, vandalism, fire, flood, and other non-collision losses. For a machine parked in a shed or trailered to the trailhead, it answers most of the "it wasn't even a wreck" claims.
Uninsured / underinsured motorist
Steps in when someone else causes your injury and has no coverage or too little — a real risk on shared trails and the crossings and connectors where off-road and on-road worlds meet.
Medical payments
Helps with medical bills for you and your passengers after an accident, no matter who caused it — meaningful on machines where injuries can be serious and happen fast.
Custom parts & equipment
Covers the additions that make the machine yours — winches, racks, lighting, audio, and more — so an upgraded rig isn't valued as if it left the showroom stock. Limits confirmed at quote.
The coverage that comes standard here.
This is where an off-road policy earns its keep — the pieces built around getting dirty, getting stuck, and getting home.
Riding-gear replacement
Helps replace your helmet, jacket, boots, and gloves damaged in a covered crash — commonly up to a set amount per person, and frequently available even if you carry a liability-only policy. The gear that protects you is protected too.
Roadside & trail recovery
Towing and roadside help built for off-road use — the difference between a phone call and a very long walk when a machine dies deep on a trail rather than on a shoulder.
OEM-parts repair
When you carry comprehensive and collision, covered repairs can use original-equipment-manufacturer parts, so your machine is put back with the right components rather than the cheapest available.
Off-road use options
Coverage can be tailored to how you actually use the machine — weekend recreation, work around the property, or serious trail riding — with flexible deductibles to match your budget and risk.
From a work quad to a snowmobile.
A flexible program that covers most of what lives in the pole barn. What qualifies, and on what terms, is confirmed at quote — a couple of vehicle types are excluded, so it's worth a quick check.
What it insures.
The program covers ATVs (including four- and six-wheel machines), utility task and recreational off-highway vehicles — the UTVs and side-by-sides — and snowmobiles, along with lower-speed vehicles like golf carts, low-speed vehicles, and personal transporters. Dirt bikes ride on the motorcycle side of the same product family, so those live on the motorcycle page.
Two common exclusions worth knowing up front: this line generally does not insure three-wheeled vehicles or dune buggies. If you're unsure whether your machine qualifies, that's exactly the kind of thing an independent agency checks before you count on the coverage — rather than finding out at claim time.
Not required — but that's not the whole story.
Arkansas doesn't require insurance to ride an ATV off-road on private property. But homeowners policies commonly exclude motorized recreational vehicles — so "not required" doesn't mean "already covered."
Where the exposure actually lives.
Two things close the gap between "not required" and "not covered." First, most homeowners policies exclude motorized recreational vehicles, or cover them only on your own land — so off the property, you may have nothing. Second, riding an ATV on public streets and highways is generally unlawful in Arkansas except for narrow exceptions like farming, hunting, and direct crossings (Ark. Code § 27-21-106) — and the moment you're on a public trail or someone else's land, an injury or damage claim is yours to pay if you're uninsured. Arkansas also has one of the higher ATV accident rates in the country, so the exposure isn't hypothetical.
Registration and decal requirements, helmet rules, and what's allowed on which roads vary by vehicle type and by land manager, and they change — many trails and wildlife management areas require helmets even where state law doesn't. We can't give legal advice, and you should confirm current Arkansas Game and Fish Commission and local rules, but we can make sure the insurance is built for how and where you actually ride.
Most riders qualify for more than one.
The off-road policy carries a deep discount list, and the credits stack — up to a limit. We run your specifics and apply every one you're eligible for. (Amounts vary and aren't published here; they're confirmed at quote.)
Safety Course
For completing a recognized rider-safety or instructor course within the last few years.
Multiple Vehicles
When your policy insures more than one off-road vehicle — the more vehicles, the deeper the credit.
Homeowners & Companion Policy
For owning your home, and for carrying another personal policy — home, auto, or renters — with the same carrier.
Garaging
For keeping the machine locked in a secured structure overnight.
Paid in Full
For paying the policy term in full at inception or renewal.
Experience, Ownership & Advance Quote
For years of riding experience, owning the machine a few years, prior continuous coverage, and quoting ahead of your start date.
The policy that has to line up with your home.
An off-road policy is really a homeowners question.
Because the whole point is coverage where your homeowners policy stops, this is a line that has to be set up alongside your home policy, not in isolation — and that's easiest when one agency holds both. We read where your homeowners coverage of the ATV actually ends, close the gap, and capture the credits that reward the rest of your account: the homeowners and companion-policy credits, and the multiple-vehicle break when there's more than one machine.
Two things to get right on an off-road machine.
First, don't lean on your homeowners policy to cover the ATV off the property — confirm what it actually does before you ride, not after. Second, set liability where it belongs; a serious injury to another rider can run well past a token limit, and it's cheap to raise. We'll read the home policy, size the off-road liability, value your gear and custom parts, and — once there's real exposure — line it all up under a personal umbrella.
Backed by an A (Excellent) carrier.
On September 10, 2025, AM Best affirmed the Financial Strength Rating of A (Excellent) for the members of Liberty Mutual Holding Company Inc., stable outlook — the group behind the companies that write this coverage in Arkansas. A financial strength rating is an opinion about an insurer's ability to pay claims; it doesn't grade how a specific claim is handled and isn't a recommendation. The current rating is at ambest.com.
Where we earn it on an off-road machine.
The quiet off-road mistake is assuming the homeowners policy has you covered when it doesn't — followed by token liability and under-valued gear and custom parts. We read your home policy to find the real gap, set the off-road liability, value the machine and its add-ons, and confirm every account and safety credit. We don't adjust your claim and can't overrule an adjuster — but we'll make sure the coverage was built right and actually reaches where you ride, and we'll move you to another of our 40-plus markets if Liberty Mutual stops being the best fit.
Usually less than the gap it closes.
Off-road premiums turn on the type and value of the machine, how and where it's used, your experience, and the coverages and deductibles you choose — so a posted number would mislead. What's consistent is that it's an affordable way to close a gap that could otherwise cost you personally, and the discount list is deep enough that stacking a few moves the price. This isn't a quote or a guarantee. Tell us what you ride and we'll build the real figure with you, LM against 40-plus carriers.
The rest of the pole barn.
Liberty Mutual ATV & off-road questions.
Does my homeowners policy cover my ATV?
Usually not the way people assume. Many homeowners policies exclude motorized recreational vehicles outright, and even those that offer some liability protection typically limit it to your own property — so the moment your ATV or side-by-side rolls onto a trail, public land, or a friend's acreage, that coverage can disappear.
A dedicated off-road policy is built for exactly that: liability that follows the machine off your property, physical damage for the ATV itself, and coverage for the gear and recovery a homeowners policy was never meant to handle. The simplest way to know where your coverage really stops is to let us read your homeowners policy alongside an off-road quote.
Is ATV insurance required in Arkansas?
Arkansas does not require insurance to ride an ATV off-road on private property. But that's a narrower safe harbor than it sounds. Operating an ATV on public streets and highways is generally unlawful except for a few narrow statutory exceptions such as farming, hunting, and direct crossings (Ark. Code § 27-21-106), and once you ride on public trails or someone else's land, a serious injury or property-damage claim lands on you personally if you're uninsured.
Add that many homeowners policies exclude these vehicles, and Arkansas's high rate of ATV accidents, and coverage is worth carrying even where the state doesn't demand it. Registration, decal, helmet, and land-manager rules vary and change — check current Arkansas Game and Fish Commission and local requirements. This is general information, not legal advice.
What kinds of off-road vehicles can I insure?
A broad range: ATVs (including four- and six-wheel machines), utility task and recreational off-highway vehicles (UTVs and side-by-sides), and snowmobiles, along with lower-speed vehicles like golf carts, low-speed vehicles, and personal transporters. Dirt bikes are covered under the motorcycle side of the same product family, so those go on the motorcycle page.
A couple of common exclusions to know: this line generally does not insure three-wheeled vehicles or dune buggies. Whether a specific machine qualifies, and on what terms, is confirmed at quote — tell us what you ride and we'll check it.
Does the policy cover my riding gear and custom parts?
Yes. This line includes coverage that helps replace your riding gear — helmet, jacket, boots, gloves — commonly up to a set amount per person, per incident, and often available even on a liability-only policy. It also covers custom parts and equipment you've added to the machine, like winches, racks, lighting, and audio.
The exact amounts and how they apply are set by the policy and confirmed at quote, so tell us what you ride with and we'll size it.
What discounts can lower my ATV premium?
Several, and most riders qualify for more than one. Depending on your situation, credits can apply for completing a safety course, insuring more than one off-road vehicle, owning your home, carrying another personal policy with the same carrier, storing the machine in a locked garage, prior continuous coverage, paying the term in full, years of riding experience, owning the vehicle a few years, and quoting ahead of your start date.
One note: some low-speed vehicles — golf carts, LSVs, and personal transporters — aren't eligible for the experience credit. We don't publish the percentages here because they vary and there's a cap on how much stacks, but we'll run your specifics and apply every one you're eligible for.
Will my off-road policy cover me if I get stuck on the trail?
That's one of the reasons to carry it. The policy can include roadside assistance and towing built for off-road use — the help that matters when you're disabled miles from the truck rather than on a shoulder.
Combined with comprehensive coverage for theft, fire, and weather, and collision for a rollover or crash, it's coverage designed around how off-road machines actually get sidelined. Specific benefits and limits are confirmed at quote.
How do I get an ATV or off-road quote?
Start at our personal lines quote form or call (479) 286-1066. Tell us the machine — type, make, model, and roughly what you've added to it — and how and where you ride, and we'll quote Liberty Mutual against 40-plus other carriers.
If you already have home or auto with us, we'll check the homeowners, companion, and multi-vehicle credits at the same time — and read your homeowners policy so you can see exactly where its coverage of the ATV stops and the off-road policy begins.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas riders can find our local, plain-English guides.
Liberty Mutual is one of 40+ carriers we represent.
Which means we can tell you honestly whether Liberty Mutual is the right home for your off-road machine — or whether one of our other markets fits better. Tell us what you ride and where, and we'll read your homeowners policy to find the real gap, set the off-road liability, value the machine and its add-ons, and stack every discount you qualify for. If a different carrier fits the ride better, we'll say so.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Liberty Mutual, and this page is not endorsed, sponsored, reviewed, or approved by Liberty Mutual. "Liberty Mutual" is a service mark or trademark of Liberty Mutual Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Liberty Mutual's Arkansas ATV and off-road policies are issued by Liberty Mutual-affiliated underwriting companies.
This page describes ATV and off-road vehicle coverage in general, industry-standard terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Available coverages, limits, riding-gear and custom parts amounts, roadside and recovery benefits, OEM-parts provisions, eligible vehicle types, exclusions, program terms and availability are set by the carrier, vary by state and over time, and are confirmed at quote and subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Some vehicle types — including three-wheeled vehicles and dune buggies — may not be eligible, certain included coverages may require comprehensive and/or collision coverage, and coverage may vary by state. If anything on this page conflicts with the issued policy, the policy controls.
Discounts are described by name only. Their availability, eligibility requirements, and amounts vary, not all discounts can be combined, some apply only to specific coverages, vehicles, or to new business, certain credits reduce over time, and total savings are subject to a maximum; all are confirmed at quote. Statements about Arkansas law — including that insurance is not required for off-road use on private property, that operation on public streets and highways is generally unlawful except for statutory exceptions under Ark. Code § 27-21-106, and that homeowners policies commonly exclude motorized recreational vehicles — are general information, not legal advice, and are subject to change. Registration, decal, helmet, age, and land-manager requirements vary by vehicle and location and change over time; confirm current Arkansas Game and Fish Commission, state, and local rules. How any law affects a specific situation is a question for a qualified attorney.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A (Excellent) rating referenced applies to the members of Liberty Mutual Holding Company Inc. Cost is determined by the carrier at quote and is not a figure this page represents or guarantees.
Last reviewed July 2026.