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ATV Insurance in Northern Colorado

Coverage for Every Trail

Whether you ride for fun, farm work, or outdoor adventure, ATVs and UTVs bring excitement and utility — but also risks. From rough terrain accidents to theft, the right insurance keeps you protected. At Chris Covers Your Assets, we make ATV insurance in Northern Colorado simple and straightforward, so you can focus on the ride, not the “what ifs.”

What ATV Insurance Covers

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Liability Coverage

Covers medical costs and property damage if you cause an accident while riding your ATV or UTV.

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Collision Coverage

Pays for repairs or replacement of your ATV if it’s damaged in a crash with another vehicle, tree, or obstacle.

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Comprehensive Coverage

Protects your ATV against theft, vandalism, fire, or weather damage when it’s not in use.

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Uninsured/Underinsured Motorist Coverage

Covers you and your passengers if you’re hit by a rider without enough insurance to pay for damages.

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Medical Payments Coverage

Helps pay medical bills for you or your passengers after an off-road accident, regardless of fault.

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Accessory & Equipment Coverage

Optional protection for custom parts, trailers, or gear attached to your ATV.

Benefits of ATV Insurance

ATVs and UTVs aren’t just toys — they’re powerful vehicles built for tough terrain. That also means accidents and damages can get costly. ATV insurance helps protect your finances, your equipment, and your peace of mind. Chris takes an education-first approach, making sure you understand exactly how your policy works before you hit the trails.

Frequently Asked Questions

  • Is ATV insurance required in Colorado?

    Colorado does not require ATV insurance for private land use, but it may be required for riding on public trails, state parks, or federal lands.

  • Does my homeowners insurance cover my ATV?

    In most cases, no. Homeowners insurance usually excludes motorized vehicles like ATVs. A standalone ATV policy is the best way to stay covered.

  • What counts as an ATV or UTV?

    ATVs usually have 3–4 wheels, while UTVs (like side-by-sides) often seat multiple passengers. Examples include quads, dune buggies, and utility side-by-sides.

  • Does ATV insurance cover injuries?

    Yes. Liability and medical payments coverage can help pay medical expenses for injuries to you, your passengers, or others if you cause an accident.

From our office in Northern Colorado, we proudly serve ATV riders across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona. Whether you’re exploring rugged trails or using your UTV for work, Chris Young Agency has the coverage you need.

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