ATV & Off-Road Vehicle Insurance

Protecting Your Off-Road Investment and Financial Security

Whether you use your ATV for ranching, hunting, or weekend recreation, your vehicle is a significant asset that requires the right insurance protection. In Arizona, many off-road vehicles require proof of insurance when operated on state-owned property or public trails. At Tedmus Insurance Services, we help you navigate these requirements to avoid financial disasters and protect your personal assets. Explore the essential coverages we provide to keep you and your family secure:


Comprehensive & Collision Protection

Guardian for Your Vehicle and Equipment

  • Comprehensive Coverage: This protects you against financial loss if your ATV is damaged or lost due to theft, fire, flood, or "Acts of God." Since off-road vehicles are often targets for theft or susceptible to natural elements, this is a vital layer of security.
  • Collision Coverage: Accidents happen on the trail. This coverage pays for damages to your ATV if it is involved in a collision with another vehicle or a stationary object, ensuring your ride can be repaired or replaced quickly.



Specialized Liability and Injury Coverage

Protecting Your Assets Against Lawsuits

  • Liability & Bodily Injury Coverage: If a third party is injured while riding your ATV or during a collision, you could be held responsible for their medical bills and lost income. Our Bodily Injury and Property Damage Liability policies protect your personal assets in the event of a lawsuit, providing a much-needed financial buffer up to your specific policy limits.
  • Medical Payments: This coverage is designed specifically for you and your household members, paying out for medical expenses resulting from an off-road accident, regardless of who was at fault.


Uninsured & Underinsured Motorist Protection

Security Against Irresponsible Operators Unfortunately, many people operate off-road vehicles without any insurance at all. If you are involved in a crash with an uninsured or underinsured rider, it may be impossible to recover the full cost of your damages and medical needs. Adding Uninsured Motorist Coverage to your ATV policy provides an extra layer of security, ensuring you and your family aren't left paying for someone else's mistake.


The Independent Advantage in Higley, Arizona

Choosing the right ATV policy shouldn't be a guessing game. As an independent insurance agency in Higley, Tedmus Insurance Services has the freedom to shop the market for you. We compare rates from multiple top-rated providers to find the best policy for your specific needs and budget.


Ready to hit the trails with confidence? Let us find the perfect ATV insurance plan for your next adventure.