Get customized coverage for your off-road adventures.
Enjoy the thrill of adventure without worrying about unexpected risks. At Rich Merso Insurance Agency, we offer customized off-road vehicle insurance solutions designed to protect you, your passengers, and your investment, whether you’re riding trails, dunes, or snow-covered paths.
From dirt bikes to snowmobiles and dune buggies, we help off-road enthusiasts get the right coverage at the right price.
Contact UsWhat Is Off-Road Vehicle Insurance?
Off-road vehicle insurance provides financial protection for vehicles that aren’t typically covered under standard auto insurance policies. These vehicles are built for recreation and rugged terrain, which also means they carry unique risks.
With proper coverage, you’re protected against:
- Accidents and injuries
- Vehicle damage
- Theft or vandalism
- Liability claims
Having the right policy ensures you can focus on the ride, not the “what ifs.”
Types of Off-Road Vehicles We Insure
We offer coverage options for a wide range of recreational vehicles, including:
Dirt Bike Insurance
Whether you ride competitively or for fun, dirt bike insurance can help cover damage, medical costs, and liability if an accident occurs on or off the trail.
Snowmobile Insurance
If you’re looking to insure a snowmobile, we can help you find coverage that protects against collisions, theft, and weather-related damage. We also make it easy to request a snowmobile insurance quote tailored to how and where you ride.
Dune Buggy Insurance
Riding the dunes comes with excitement and risk. Dune buggy insurance helps protect your vehicle and financial well-being if an accident or loss occurs.
Other Off-Road Vehicles
- ATVs and UTVs
- Recreational utility vehicles
- Custom or modified off-road vehicles
If you’re unsure whether your vehicle qualifies, our team is happy to guide you.
Request a personalized quote onlineWhat Does Off-Road Vehicle Insurance Typically Cover?
Coverage options may vary based on the vehicle type and usage, but common protections include:
Liability Coverage
Helps cover injuries or property damage you cause to others.
Collision Coverage
Pays for damage to your off-road vehicle after an accident.
Comprehensive Coverage
Protects against theft, vandalism, fire, or weather-related losses.
Medical Payments
Helps cover medical expenses after an accident.
Our agents work with you to customize coverage that fits your riding habits and budget.
Why Choose Rich Merso Insurance Agency?
At Rich Merso Insurance Agency, we believe insurance should be simple, personal, and reliable.
- Independent agency with access to multiple carriers
- Coverage tailored to your specific off-road vehicle
- Clear guidance without confusing insurance jargon
- Friendly, responsive local support
We don’t believe in one-size-fits-all insurance. Our goal is to help you stay protected while enjoying the adventures you love.
Get a Quote for Off-Road Vehicle Insurance
Ready to protect your ride? Whether you need off-road vehicle insurance, dirt bike insurance, or an insurance quote for snowmobile coverage, we’re here to help.
Let us help you ride with confidence, on any terrain, in any season.