ATV & UTV INSURANCE · METAIRIE, LOUISIANA
More adventure.
Fewer unanswered questions.
ATV and UTV insurance, explained by people close to home. Kati Cheek Insurance helps Metairie and New Orleans area riders understand protection for their vehicles, their equipment, and the way they use them.
Free, no-obligation quote request.
START WITH YOUR VEHICLE
Your ride has its own story.
What you own—and what you do with it—helps shape the coverage conversation.
01 / FOUR-WHEELERS
ATV insurance
Tell us about your four-wheeler, who operates it, and where you ride. Start with the details that make your vehicle yours.
02 / SIDE-BY-SIDES
UTV insurance
From recreational outings to jobs around your property, explain how you use your side-by-side so we can discuss eligible coverage.
03 / YOUR SETUP
Equipment & upgrades
Winches, racks, lights, and other additions belong in the conversation. Bring your accessory list when we review your options.
THE COVERAGE CONVERSATION
Know what each part of a policy is there to do.
Protecting other people and protecting your own vehicle are different jobs. Open an option to see where it fits.
Availability, eligibility, exclusions, limits, and deductibles depend on your insurer, vehicle, and use.
01 Bodily injury liability
Helps pay for another person’s covered injuries when you are at fault in an ATV or UTV accident, up to your policy limits.
02 Property damage liability
Helps pay for covered damage you cause to someone else’s property. It does not pay to repair your own off-road vehicle.
03 Collision coverage
Helps pay to repair or replace your ATV or UTV after a covered collision with another vehicle or an object, such as a tree or fence. A deductible may apply.
04 Comprehensive coverage
Helps protect your vehicle from covered non-collision losses, such as theft, fire, or vandalism. Your deductible, limits, and policy terms apply.
05 Medical and uninsured motorist options
Ask whether medical payments or uninsured/underinsured motorist coverage is available, who it protects, and where it applies. These protections can have important restrictions.
06 Added equipment coverage
Winches, racks, lights, and other aftermarket equipment may need additional coverage. Bring a list of your upgrades so we can review available protection and limits.
START WITH YOUR VEHICLE
Four questions worth bringing to us.
Where will you ride?
Private property, trails, parks, and public roads can raise different questions. Check the actual riding-area rules before a trip.
Who is behind the controls?
Tell us about all operators and any passengers. Ask about rider eligibility and the protection that applies to each person.
What will you use it for?
Work tasks, racing, rentals, and organized events may need different coverage or may be excluded. Mention them before you choose.
What happens between rides?
Storage and transport matter, too. Ask about theft protection, trailer coverage, equipment, and any financing requirements.
A QUOTE BUILT AROUND YOUR DETAILS
Price matters. So does what you get for it.
Your vehicle, location, rider information, and policy selections can influence cost. A personalized quote is a practical starting point. Bring your current policy if you have one.
Your vehicle and riders
Have the year, make, model, VIN, storage ZIP code, and rider information ready.
Your coverage choices
Compare the same coverages, limits, and deductibles—not just the premium.
Possible savings
Ask about multi-policy, approved safety-course, and payment-related discounts. Eligibility varies.
No starting-rate promise or guaranteed savings. Our team will explain the options available for your situation.
Simple next steps
Getting started takes only a few minutes.
01
Tell us what you need
Complete a short request with your contact details and ATV-insurance interest.
02
Speak with our team
We’ll contact you to confirm your interest and gather information for the next step.
03
Review available options
An appropriate insurance professional can explain available options and answer your questions.
A LITTLE CLARITY BEFORE THE NEXT RIDE
Your ATV insurance questions, answered.
What is the difference between ATV and UTV insurance?
ATVs and UTVs are different vehicle types, but both can be eligible for off-road insurance. Tell us whether you have a four-wheeler, utility vehicle, or side-by-side so we can check options for that vehicle and its use.
Does my homeowners or auto policy cover my ATV?
Do not assume either policy covers your off-road vehicle. Homeowners protection may be limited, particularly away from your property, and a personal auto policy typically does not cover an ATV. Ask us to review your policies.
Is ATV insurance required where I ride?
Requirements vary by location and riding area. Before a trip, check the rules for the specific trail, park, or property and any applicable state requirements. Financing agreements may also require coverage. Insurance does not grant permission to ride on public roads or restricted land.
Does ATV insurance cover theft?
Comprehensive coverage generally helps with a covered ATV or UTV theft, subject to deductibles, limits, and policy terms. Liability coverage alone does not pay to replace a stolen vehicle.
Are passengers and other riders covered?
Coverage depends on the policy, the rider, and the circumstances. Tell us who operates the vehicle and whether you carry passengers. Ask about driver eligibility, permitted use, and applicable liability and medical protections.
Will my custom parts and accessories be covered?
Do not assume all upgrades are included automatically. List your accessories and modifications, including winches, racks, and lights, so we can discuss equipment coverage and any applicable limits.
Does coverage include racing, business use, or rentals?
These uses may be excluded or need a different policy. Tell us about work tasks, organized events, rental activity, or other non-recreational use before choosing coverage. Ask for confirmation that your intended use is eligible.
Does ATV insurance pay for a worn-out engine?
Standard ATV insurance generally does not pay for mechanical breakdown or wear and tear. Coverage for damage from an insured event depends on the cause of loss and your policy terms.
Should I cancel coverage when my ATV is in storage?
Theft, fire, and vandalism can happen while a vehicle is parked. Before changing coverage, discuss storage risks and lender obligations with our team. Confirm any needed coverage is active before riding again.
What information should I have ready for a quote?
Start with your vehicle’s year, make, model, and storage ZIP code. Have your VIN, rider information, current policy, and accessory details available for follow-up. Tell us how and where you use the vehicle.
Free, no-obligation request
Let’s talk about what’s next for your ATV.
A first four-wheeler. A different side-by-side. A policy you want to understand better. Bring your questions to our Metairie team—we’ll help you work through them.
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Contact Information:
Email: [email protected]
Contact Number:
(504) 455-1234
Text Option Available At: 504-455-1234
Location: 4515 Shores Dr., Ste. 102, Metairie, LA
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