Last weekend, Seth and his son Mason were all packed up and ready for an adventure. They loaded their all-terrain vehicle (ATV) onto a utility trailer, hitched it to the truck, and headed toward the trails near Norman, Oklahoma. The sun was shining, the cooler was packed, and the day was looking perfect.

But halfway there, something unexpected happened.

As they pulled off to grab a snack in Newcastle, Seth noticed the trailer had a flat tire—and worse, someone had tried to pry open the back gate. Luckily, nothing was stolen. But it got Seth thinking…

What if something had happened to the ATV or trailer? Would his insurance policy cover it?

That little scare led him to discover something every ATV owner in Oklahoma should know.

1. ATV Insurance Isn’t Just for the ATV

Most people think ATV insurance only protects the vehicle. But guess what? Some insurance companies offer coverage for your ATV trailer too—including Trailer Insurance, comprehensive coverage, and collision coverage.

That means if your utility trailer is damaged, stolen, or wrecked in an accident, your insurance policy could help pay for repairs or replacement. That’s a big deal when you’ve spent thousands on your setup, including custom parts, riding gear, or accessories and equipment.

2. Accidents Can Happen During Transport

Transporting your ATV can be one of the riskiest parts of your trip. Whether you’re cruising down I-35 or stopping at a gas station in Moore, your trailer and personal property are exposed to risk—like property damage, cargo trailer theft, or mechanical or electrical breakdown.

Without the right protection, you could be paying out of pocket. That’s why a good auto insurance policy with comprehensive/collision coverage, or a specialized ATV trailer insurance policy, gives you peace of mind on every trip.

3. Oklahoma Trails Are Rough—So is the Risk

Whether you’re riding through the hills near Noble or navigating the dunes at Little Sahara, Oklahoma’s terrain is tough on trailers and off-road vehicles like side by sides, UTVs, dirt bikes, and even Dune Buggies.

With customizable recreational vehicle coverage, including UTV insurance, travel trailer insurance, or even truck camper insurance, you can match your plan to your riding habits. Some insurance providers even offer full-timer’s liability and total loss replacement for serious adventurers.

4. Bundle and Save (Seriously!)

Here’s something a lot of people don’t realize: you can bundle your ATV trailer insurance with your auto insurance, homeowners insurance policy, or RV insurer for a multi-policy discount.

If you’re already protecting your home in Edmond or your truck in Norman, bundling coverage could save you money and simplify claims. Many independent insurance agents work with multiple carriers, like Family Financial Insurance Group, to help you find the best deal.

5. Liability Coverage is Easy to Miss

Picture this—you’re backing up your trailer and accidentally hit someone’s car or roll into a fence on state-owned property. Your auto policy might not cover that kind of property damage liability coverage or bodily injury liability coverage.

Make sure your policy includes liability protection, like liability insurance, Guest Passenger Liability, medical payments coverage, or even uninsured/underinsured motorists coverage. It’s a safety net that protects you when accidents happen.

Ready to Ride Worry-Free? Let’s Get You Covered!

Don’t wait until something goes wrong. Let’s make sure your ATV, your trailer, and even your Personal Belongings are fully protected—whether you’re dealing with natural disasters, water damage, pest damage coverage, or just a flat tire.

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📞 Have a question? Call our friendly team at (405) 321-4664
🌐 Want to explore more? Visit us at jimholmesinsuranceok.com

We’re proud to serve our neighbors in Moore, Norman, Edmond, Noble, and across Oklahoma . Let’s get you insured, safe, and ready to roll!