Owning an ATV or side-by-side means freedom to explore the outdoors, whether you’re riding wooded trails, working on your property, or taking off for a weekend adventure. But with all that fun comes risk—from rollovers to theft, unexpected accidents can happen fast. At Brew City Insurance in South Milwaukee, we help you protect your off-road vehicles with insurance that fits how and where you ride.
Many riders assume their homeowners or auto policy covers their ATV, UTV, or side-by-side. In most cases, though, those policies offer little or no coverage for these vehicles once they leave your property. A dedicated policy is often the best way to help protect your equipment and your finances.
What Is ATV and Side-by-Side Insurance?
ATV and Side-by-Side Insurance is designed specifically for all-terrain vehicles (ATVs), utility task vehicles (UTVs), and similar off-road vehicles. These vehicles can be a big investment, and are often used in rough terrain where the risk of damage or injury is higher than average.
Whether you use your ATV for recreation, work, or both, insurance may help with costs related to:
- Collisions
- Rollovers
- Theft
- Fire
- Vandalism
- Injuries to riders or others
- Property damage
What Does a Typical Policy Include?
Most policies include several types of coverage. We’ll help you build a policy that reflects your needs. Common options include:
Liability Coverage
Helps cover the costs if you’re found legally responsible for injury or property damage caused by your vehicle. This can be especially important if you ride on public land or roads.
Collision Coverage
Helps pay for repairs to your vehicle if it’s damaged in a crash, regardless of fault.
Comprehensive Coverage
Covers losses from events other than collisions, such as theft, fire, falling objects, or vandalism.
Uninsured/Underinsured Motorist Coverage
If you’re hit by someone who doesn’t have enough coverage, or any coverage at all, this can help cover your injury-related costs.
Medical Payments Coverage
It may help cover medical expenses if you or your passengers are injured in an accident.
Accessory Coverage
If you’ve added custom parts, such as upgraded tires, lights, winches, or racks, you can also add extra coverage to protect those as well.
Why ATV Insurance Matters
Even if you ride only a few times a year, accidents can happen quickly. Trails can be unpredictable, and vehicles can be damaged or stolen while in storage or transit. If you ride on public land, many areas now require proof of insurance.
Without coverage, you could be left paying out of pocket for expensive repairs, legal claims, or replacement costs. Insurance is one way to help you stay focused on the fun, not the financial risk.
Who Needs ATV or Side-by-Side Insurance?
You may benefit from a policy if you:
- Own an ATV, UTV, or side-by-side used for recreation or utility
- Ride on public lands or roads
- Store your off-road vehicle in a shed, garage, or trailer
- Use your vehicle around your property for chores or snow removal
- Participate in group trail rides or organized events
We insure a variety of makes and models, including:
- Polaris
- Can-Am
- Yamaha
- Honda
- Kawasaki
- Arctic Cat
If your vehicle isn’t listed above, don’t worry, we’ll help find a policy that works.
Coverage for Wisconsin Riders
Wisconsin is home to thousands of miles of ATV and UTV trails. Whether you’re exploring the Kettle Moraine, riding the Cheese Country Trail, or just working the land in rural areas, you face specific risks. As a local agency, we understand the terrain, weather, and trail rules that matter most in this state.
Independent Agents. Local Knowledge.
At Brew City Insurance, we’re not tied to one insurance company. As an independent agency, we can compare policies and rates from multiple carriers to help you find coverage that suits your needs and budget.
And since we’re local, you’re welcome to stop by anytime. We welcome walk-ins and enjoy talking with riders face-to-face about:
- New vehicle purchases
- Registration and insurance requirements
- Equipment upgrades
- Adding additional vehicles or drivers
You don’t need an appointment—just bring your questions and we’ll help you sort them out.
Discounts and Savings
Depending on the insurer, you may qualify for discounts such as:
- Multi-policy (bundle with Auto or Home)
- Safety course completion
- Storage or lay-up discounts (for seasonal use)
- Responsible rider/claims-free history
We’ll help you find and apply for any available discounts.
What to Expect When Quoting
When you come in or call for a quote, we may ask for the following:
- Vehicle make, model, and year
- VIN (if available)
- Primary use (recreational, agricultural, etc.)
- Where you ride
- Where you store the vehicle
- Any aftermarket modifications or accessories
The more details we have, the better we can tailor your policy.
Serving South Milwaukee and Beyond
We proudly serve ATV and UTV riders in South Milwaukee, Oak Creek, Cudahy, Saint Francis, Greendale, Franklin, Greenfield, Milwaukee, West Milwaukee, Hales Corners, Caledonia, West Allis, Shorewood, Glendale, Whitefish Bay, River Hills, Fox Point, Bayside, Brown Deer, Elm Grove, Wauwatosa, New Berlin, and Muskego.
Whether you’re a weekend rider or a year-round user, we’re here to help.
Why Choose Brew City Insurance?
We’re a family-run agency led by Debra Larson and Danielle Cooke. We understand that insurance isn’t about paperwork, it’s about people. When you work with us, you get:
- Honest, friendly advice
- Easy-to-understand policies
- Walk-in service with no appointments needed
- A trusted partner for your off-road lifestyle
Let’s Get You Covered
Whether you just bought your first side-by-side or you’re reviewing coverage for a fleet of ATVs, we’re ready to help. Visit our South Milwaukee office or contact us to get started.
Because in the end, having the right insurance coverage means that the important things in life, such as your memories, milestones, and future, can continue for years to come.
