ATV & Recreational Vehicle Insurance
Coverage for the Way You Ride
Off the Beaten Path, But Still Covered. Whether you’re heading out on the trails, spending the weekend at the lake, or hauling gear across the farm, your recreational vehicles deserve protection that’s just as dependable as they are. At Farmers Mutual Insurance of Giles County, we offer customizable coverage for ATVs, UTVs, dirt bikes, boats, trailers, and more.
These aren’t just toys—they’re investments, and often tools. Let’s make sure they’re insured the right way, with policies that reflect how you actually use them.
What Does Recreational Insurance Cover?
Our policies can be tailored to cover a wide range of vehicles and uses—whether you ride for work or for fun.
Protection for Wherever the Ride Takes You
All-Terrain Vehicles (ATVs)
Protection for your four-wheelers, including damage, theft, and liability if someone is injured while riding.
Utility Task Vehicles (UTVs / Side-by-Sides)
Covers larger utility vehicles used for both recreation and work—on farms, trails, or rural property.
Boats & Watercraft
Covers everything from fishing boats and pontoons to jet skis, so you’re protected on the water.
Dirt Bikes & Off-Road Motorcycles
Insurance for off-road riding adventures or racing, including accidental damage and injuries.
Trailers & Toy Haulers
We can help insure the trailers that transport your recreational vehicles, ensuring you’re covered in transit and storage.
Frequently Asked Questions
Is ATV insurance required in Tennessee?
It depends on how and where you use it. If you're riding on public roads or state land, insurance may be required. Regardless, we highly recommend it to protect your investment and reduce liability risk.
What’s covered under a recreational vehicle policy?
We can include: Collision and comprehensive coverage, Theft and vandalism, Liability if someone is injured while using your vehicle, and Towing or hauling coverage for trailers.
Can I bundle recreational insurance with my other policies?
Yes! Bundling with your home, auto, or farm policy may qualify you for multi-policy savings and make managing coverage easier.
What if I only use my vehicle a few times a year?
No problem—we’ll help you choose a policy that reflects your usage so you’re not overpaying for year-round coverage.
Let’s Get You Covered Before You Ride
Ready to hit the trails or head out on the water? We’ll help make sure your vehicle—and your peace of mind—are protected before the engine even starts.
Visit Visit Our Office
📍 1029 West College Street, Pulaski, TN
Call Us Today: (931) 363-1322