ATV Insurance

Whether you're riding wooded trails in Western Massachusetts or managing off-road tasks on your property in New York, your ATV needs the right protection. At F&T Insurance Agency, we help riders get reliable coverage across MA, RI, CT, and NY—without the hassle or hype.

An elderly woman wearing a straw hat is standing in a greenhouse.

Protection for Every Path

ATV Coverage That’s Trail-Ready

From solo sport quads to utility ATVs for your farm or land, we offer all-terrain vehicle insurance. With local knowledge and one-on-one service, we connect you to trusted ATV insurance providers.

Damage & Theft Coverage

Our ATV insurance includes protection for damage, theft, fire, and more—on and off the trail.

Liability for Riders

We help protect you from injury or property damage claims with ATV insurance coverage that provides peace of mind.

Accessory & Gear Coverage

From helmets to racks and custom mods, we can help you cover your gear and accessories under your policy.

Looking up at a tree with lots of branches and leaves.
A family is walking through a field holding hands.

Frequently Asked by ATV Owners

  • Is ATV insurance required in MA?

    Not for all terrains, but it is required in certain public areas. We’ll help you stay compliant and properly protected.


  • Does homeowners insurance cover my ATV?

    Usually only on your property—and with major limitations. We recommend dedicated coverage for full protection.


  • Can I cover multiple ATVs on one policy?

    Yes. We help families and recreational groups bundle multiple machines under one easy-to-manage policy.

  • What types of ATVs are eligible?

    We cover most models, including 4x4s, sport ATVs, utility quads, and side-by-sides used for recreation or property use.


  • How can I lower my ATV insurance cost?

    We shop affordable ATV insurance MA plans and look for discounts—like bundling, safety courses, or seasonal use.


Real Coverage, Real Support

Let’s Protect Your Ride

ATV insurance isn’t just about a policy—it’s about who’s guiding you through it. At F&T Insurance Agency, we walk you through your options, match you with the best coverage, and stand by you if you ever need to file a claim.

A woman is walking down the street holding a cup of coffee.