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Does It Have a Key?

Get Insurance for your ATV, Dirt Bike, Wave Runner, Golf Cart and More

There are a lot of ways to have fun outside in West Texas. Whether you’re hitting the trails at Buffalo Springs Lake, the links at the Rawls Golf Course, or a nearby state park, the last thing you want to worry about is whether your insurance policy has you protected.

Hettler Insurance Agency can help you get the specialized coverage you need for specialized vehicles. We can help protect your investment and let you focus on having fun!

Are Your Off-Road Toys Covered?

  • ATV (All-terrain vehicle) insurance

  • Dirt bike insurance

  • Dune buggy insurance

  • Golf cart insurance

  • Snowmobile insurance (Haven’t insured one of these yet, but we are ready!)

  • Any other motorsports insurance

Do You Need Coverage?

Auto Policies Don't Cover Specialized Vehicles Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property.
Motorsports Vehicle Insurance Can Be Required What’s more, many national, state, or other public parks in Texas require specialty vehicle riders to be properly insured.

Save Money, Keep Coverage

Several factors can affect the cost of insuring a specialty vehicle. So what can you do to help keep your rates low?

Be Safe: If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
Choose Your Vehicle Carefully: Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
Own More Than One: With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.

Good Coverage. Great Times

Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

Collision Coverage: pays for covered damage to your vehicle when in a collision with another vehicle or other object.
Property Damage Liability Coverage: Insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
Bodily Injury Liability Coverage Insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
Comprehensive Physical Damage Coverage pays for covered losses resulting from incidents other than collision – like fire, theft, or vandalism.

Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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