Does ATV Insurance Cover Water Damage?

While all-terrain vehicles (ATVs) are designed to withstand rugged conditions, they remain susceptible to water damage, which can compromise the electrical system, engine, or transmission. Water damage can occur in various ways, such as crashing through ice on a lake or parking your ATV in an area prone to flooding during a storm. Fortunately, residents of Chester, NJ can protect themselves from water-related losses with the right ATV insurance.

Severe Weather

Thunderstorms, hurricanes, and other severe weather events, such as those involving heavy rain, can lead to flooding. Comprehensive ATV insurance often covers water damage caused by floods, unlike collision coverage. In addition to flood protection, comprehensive insurance also covers other risks such as vandalism, theft, and fires, making it a versatile option for ATV owners.

Accidents

Water damage resulting from an accident may be covered by a comprehensive policy or optional submersion ATV insurance. Submersion coverage is typically offered as an add-on and covers accidents involving bodies of water that result in significant damage. An insurance agent can provide detailed information about the types of submersion incidents covered under your policy.

Liability Insurance

It’s essential to understand the various types of ATV coverage available, as well as the optional add-ons you can select. In New Jersey, riders are only required to carry liability insurance. This basic policy does not cover water-related repairs to your ATV, but it may cover damage to someone else’s property caused by your vehicle in an accident.

The Insurance Outfit specializes in helping Chester, NJ residents find ATV insurance that covers water damage, severe weather, collisions, and other related risks. With over a decade of experience in the area, our independent agency is here to assist you. To request a free, no-obligation quote, contact The Insurance Outfit today at 908-955-7561.