Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
From off-road adventures to weekend getaways, recreational vehicles bring excitement, but they also carry risks. ATVs and side-by-sides need their own policy: your homeowners insurance will not follow them onto the trail.
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A homeowners policy will often extend some limited coverage to a recreational vehicle while it sits on your property. That extension is the source of most of the confusion, because it usually stops the moment the machine leaves the driveway, which is the only time you actually ride it.
A dedicated ATV or UTV policy covers the machine and, more importantly, covers you for liability out on the trail. These policies can cover liability, collision damage, passenger injuries, and special equipment.
Passengers are the part worth stopping on. A modern side-by-side seats two, four or six people, most of whom are not on your policy and some of whom are not related to you. If someone is hurt riding with you, that is a liability claim with your name on it.
Then there is the trailer. Machines get stolen off trailers and out of driveways more often than they get wrecked on trails, and theft coverage is a separate box to tick.
At a glance
Off-road coverage in Arizona
Machines we write
ATVs, quads, side-by-sides and UTVs.
Where the coverage matters
Off your property, which is where homeowners generally stops.
Coverages available
Liability, collision damage, passenger injuries, and special equipment.
Frequently overlooked
Theft from a trailer or a driveway, and accessories such as winches, lights and cages.
Street-legal conversions
Tell your agent. A licensed and plated UTV changes the conversation.
Read your homeowners policy before deciding this one is optional.
Homeowners coverage alone
Any coverage that exists is typically limited to the machine while on your premises.
Liability off the property is commonly excluded outright.
Passenger injuries on a trail are unlikely to be covered.
Accessories and upgrades are not accounted for at all.
A dedicated ATV or UTV policy
Liability follows the machine wherever you are riding it.
Collision damage covers rollovers and trail damage with no other vehicle involved.
Passenger injury coverage for the people riding with you.
Special equipment coverage for winches, cages, lights and suspension.
Weekend machines matter to the people who own them, and they deserve more than a footnote on a homeowners policy. Because we are independent, we can compare carriers that actually write off-road coverage and keep it on the same file as everything else you own.
Off-road machines usually arrive at an agency as an afterthought, added to a household that already has the trucks and the house insured somewhere. Keeping all of it with one agent is not a sales line here, it is the reason nothing falls between two policies when a trailer full of machines goes missing.
What we will ask about the machine
Make, model, year and what it is worth today rather than what you paid
What you have added: winch, cage, light bar, wheels, suspension, audio
How many people it seats and whether you regularly carry passengers
Where it is stored and whether it travels on a trailer
Whether it has been converted to street legal and plated
Out on the trail
Liability is the first and the largest. Off-road riding puts other people, other machines and other people's property in reach, and a serious trail incident becomes a legal problem quickly.
Collision damage is the second, and it does not require another vehicle. Rocks, ruts, rollovers and washes do most of the damage in this state.
Passenger injuries are the third and the most personal, because the passenger is usually a friend or a family member. And the fourth is the equipment: winch, cage, light bar, wheels, suspension, audio, none of which is in the book value of the machine.
A dedicated policy follows the machine off your property. Homeowners coverage generally does not, which is the gap this page exists to explain.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
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Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
Does my homeowners insurance cover my ATV?
Usually only in a limited way and usually only while it is on your property. Liability off your premises, which is where you actually ride, is commonly excluded. Read your policy, or send it to us and we will read it for you.
Is ATV insurance required in Arizona?
Requirements depend on where and how the machine is operated, including whether it is registered for off-highway use or converted for street use. Regardless of the legal minimum, the liability exposure on a trail with passengers is the reason to carry it.
Are my passengers covered?
Only if the policy includes passenger coverage. On a side-by-side seating four or six people, this is one of the most important lines on the quote and one of the easiest to leave off by accident.
What about my winch, cage and light bar?
Accessories and upgrades sit outside the machine's book value and need special equipment coverage to be paid for at claim time. Bring a list with rough values.
Is the machine covered if it is stolen off my trailer?
With comprehensive coverage on the policy, theft is generally covered wherever the machine is. Without it, a stolen machine is out of pocket. This is a more common claim than trail damage.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
We write ATV insurance in Arizona and UTV insurance in Arizona for riders across Peoria, Glendale, Surprise and Sun City. ATV insurance in Peoria, AZ covers the machine and, more to the point, your liability once it leaves the driveway. Any off road vehicle insurance conversation should start with where you ride and who rides with you, because passengers are the exposure people forget.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Send us the make, model and what you have added. We will quote the machine properly instead of guessing at a book value.
