- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
ATVs and side-by-sides are built for fun, work, and off-road freedom. They’re also expensive to repair or replace. And if an accident happens, liability can follow you. Powersports / ATV insurance helps protect your vehicle and your finances when something goes wrong—whether you ride on trails, private property, or approved areas. At Tony Holliday Insurance, we help riders in Colorado Springs choose coverage that matches what they own and how they use it. For the full vehicle coverage overview, visit Auto Insurance Hub
Powersports / ATV insurance can help cover liability if you cause injury or damage, and it can help repair or replace your ATV after a covered loss if you choose those coverages.
Coverage is designed for real-life situations like:
We’ll explain what your policy includes so it’s clear.
If you want extra protection above your standard liability limits, consider Personal Umbrella Insurance.
This coverage is often used for:
If you have something unusual, please tell us what it is, and we’ll guide you.
If you ride on-road motorcycles too, that’s a different policy type—see Motorcycle Insurance.
Liability helps if you cause injury or damage and someone holds you responsible. This is one of the most important parts of powersports insurance.
Collision can help repair or replace your ATV after a crash, depending on policy terms.
Comprehensive coverage can help cover non-crash losses such as theft, vandalism, hail, falling objects, and animal-related damage.
Some policies offer options to help if someone else causes damage and has little or no coverage.
Many riders add lights, racks, winches, tires, and performance upgrades. If you’ve customized your vehicle, we can help you properly cover those upgrades. If you store high-value gear or valuables and want stronger protection, see Valuable Items / Jewelry Insurance
Rocks, steep grades, and sudden drops can cause rollovers or impact damage.
ATVs are portable and often targeted. Storage location and comprehensive coverage matter.
Hail and storms can damage plastic, seats, electronics, and body panels—especially if the vehicle is stored outside.
Some people ride for fun. Others use ATVs for work on land or property. How you use the vehicle can affect coverage fit.
A higher deductible can reduce premiums, but you’ll pay more out of pocket after a claim. Choose a number you can handle.
If you underinsure, you may be disappointed after a claim. If you overinsure, you pay more than you need. We help you keep it practical. If you use the vehicle for business (job sites, deliveries, company ownership), ask about Commercial Auto Insurance for business vehicle protection, and we’ll tell you the best structure for your situation.
To avoid surprises, here are common exclusions or limits:
If you compete, rent it out, or use it for business, tell us up front so we can quote correctly.
Here are smart ways people lower costs while keeping protection:
If you want bundling, start with Home Insurance and the Auto Insurance Hub.
To start, we usually need:
Please tell us what you own and how you use it.
We’ll explain liability, physical damage, and add-ons in plain English.
You pick what makes sense. We’ll help you set it up correctly.
We help riders across nearby communities, including:
Want the full list? Visit Service Areas ( Service Areas )
If you want coverage that protects your ATV and your finances, start here. We’ll keep it simple and show you options that match how you ride.
You may still want liability protection and theft/damage coverage. It depends on your risk and how you use the vehicle.
It can if you have comprehensive coverage. We’ll explain how deductibles and storage situations affect claims.
Yes. Side-by-sides are commonly insured under powersports coverage options.
They can be, but you may need to list them or add coverage for them. We’ll help you do it correctly.
Often, the same day, once we have your vehicle details and usage.
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