Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
On a Texas ranch or deer lease, a side-by-side is a workhorse; on the trails at Barnwell Mountain it’s a weekend passion. Either way, a homeowners policy stops protecting it the moment it leaves your property. Harvey Insurance writes off-road coverage that follows the machine wherever you ride it.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
This is the gap that catches off-road owners off guard: a homeowners policy may cover an ATV on your own land, but the moment it hits a trail, a neighbor’s ranch, a deer lease, or a public OHV park, that coverage typically disappears — taking the liability and theft protection with it. Off-road vehicles are also a favorite target for thieves and take a beating in the field. A dedicated policy closes those gaps and rides along wherever the machine goes.
Get a Free ATV QuoteWe place off-road machines with carriers who write them as their own class — so liability, theft, and trail use are covered instead of quietly excluded.
The off-road machines Texans ride — and we insure:
Four-wheelers used for ranch work, hunting, and trail riding get coverage that follows them off the property and into the field.
Side-by-sides carry passengers and serious value, so their policies lean on liability, medical limits, and coverage for the accessories owners load onto them.
Dirt bikes at the track and golf carts around a neighborhood or lease each get written to their specific use and the places they actually run.
Ranch tool or trail toy, an off-road policy should match the way the machine actually earns its keep.
We place your machine with insurers who understand off-road vehicles, so trail liability, theft, and accessory coverage are built in — not the afterthought they are on a homeowners endorsement.
Work rig, hunting hauler, or weekend trail machine — we write the policy around how and where you ride, from private ranchland to public OHV parks across Texas.
When a machine is stolen off a trailer or wrecked on a lease, you reach the local agency that wrote the coverage and get a real person on the claim — fast.
FAQ
Off-road is just one of your rides? See the rest of Harvey’s specialty coverage.
Rates depend on the vehicle, its value, and how you ride — same-day quotes from a local Texas agent.
Get a Free ATV QuoteCoverage Areas
We insure ATVs and off-road vehicles for riders across the entire state of Texas — ranch country, deer leases, and the OHV parks and trails from the Piney Woods to West Texas.