Motorcycle & ATV Insurance

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Snowmobile Insurance


Watercraft Insurance


A little about the Power Sports Insure Agency.

We are an agency specializing in Motorcycle, ATV, Side-By-Side, Snow Bikes, and Golf Cart insurance. In fact, we are one of the largest insurance agencies in the United States that specializes in powersport insurance! We also insure most powersport recreational products like Boats, Snowmobiles, Motorhomes and Travel Trailers. We own and operate almost everything we insure and we understand how to find you great coverage at the best price.

We are licensed from Alaska to Maine, and we write insurance in over 30 states! Representing the finest insurance companies in America, we do the shopping for you to find the best possible price.

Let's face it, insurance rates on motorsport equipment can be too expensive! Let the experts at PowerSports Insure protect your money and investment at the lowest possible price.

This strategy of finding great specialized insurance coverage at the lowest possible cost has been the key to our phenomenal growth and success. Why not complete an application today and find out how much you can save!

Did you know: Power Sports Insure also offers water craft and snowmobile insurance?

Why choose Power Sports Insure?

Follow Power Sports Insure online.

Join our fantastic community! Follow us out on FaceBook and YouTube! Get tips, watch videos, upload your power sport photos and more!

Three Basic Motorcycle/ATV Insurance Coverages

People have different insurance needs, depending on the type of unit and how it is used, which is why we offer a variety of coverages. Did you know that we offer other optional coverage's besides these three outlined below? These can include medical payments, accessory coverage, transport trailers, roadside assistance, trip interruption and uninsured/underinsured motorist bodily injury.

Liability Coverage

Liability Coverage

All policies include some level of liability coverage. This will cover injuries, as well as property damage that you may cause or be blamed for to others as a result of an accident.

It is usually relatively inexpensive to increase these limits.If you happen to have a personal umbrella policy, they generally require higher liability limits on your motorcycle or ATV such as $250,000 Bodily Injury per person, $500,000 Bodily Injury per accident and $100,000 in property damage liability.

Be sure to ask us the price for higher limits. It's not much more money to help protect your assets should you get sued in court for an accident.

Comprehensive Coverage

Comprehensive Coverage

Comprehensive coverage protects your unit from most sudden and accidental losses to your snowmobile other than upset or collision. These causes of loss under comprehensive coverage can include fire, theft, vandalism, falling objects, wind, smoke, collision with an animal and flood or sinking through the ice on a frozen lake or river.

Collision Coverage

Collision Coverage

Collision is the most common cause of loss. A motorcycle or ATV can be traveling quite slowly and tip over or collide with an object, twist the frame and be totaled.

Also, don't forget the possibility of an auto accident where the unit on the transport trailer is totaled. You must have collision on the motorcycle/ATV in order to have coverage. You truck's auto policy excludes coverage on motorsport equipment in the event of upset or a collision.

Other Optional Coverages

Medical Payments. This optional protection covers co-payments, deductibles and other expenses if you or someone else riding your covered motorcycle, golf cart or ATV needs medical attention as a result of an incident. Limits are available from $1,000 each person to more than $10,000.

Accessory Coverage. This is coverage for items or extra equipment installed on the unit for things such as special paint, lights, wraps, engine performance equipment, bags, and GPS. You can purchase this coverage up to many thousands of dollars on a motorcycle or ATV quite inexpensively.

Transport Trailer Coverage. Provided you purchase both comprehensive and collision coverage on at least one of the units on your policy, we can schedule comprehensive and collision coverage on your transport trailer. Trailers usually have a low $250 fixed deductible.

Uninsured/Underinsured Motorist Bodily Injury Portection. ln most states you can purchase this coverage up to your Bodily Injury Liability limits. 

This valuable coverage covers yourself or someone riding your motorcycle or ATV for their bodily injury and financial loss resulting from some other motorist who hits you and has no insurance or limits of liability less than your own policy.

Additional Advantages

Out-of-State Coverage. Your policy automatically adjusts to meet a state's minimum liability coverage requirements, even if your policy limits are normally lower. Your coverage extends to all 50 states and Canada!

Coverage in Canada. If you're planning to ride your motorcycle or ATV beyond our northern border... go right ahead. You coverage extends to Canada.

Lots of Discount Possibilities. We offer many ways for you to save money, and you're not limited in the number of discounts you can enjoy. Depending on which company we place you with, discounts include: insuring two or more units on the same policy, renewing your policy with us, completing a safety course and homeowners. Ask one of our agents for more information.

Payment Options. You can pay your policy with a check or credit card. Monthly payment plans are also usually available.

Fast and Reliable Claim Service. Report your snowmobile accident any time, day or night. You will have a toll free phone number and all of our companies have 24/7 claims service!

Payment Options. f you purchase a new motorcycle or ATV, we automatically extend your current coverage to provide temporary protection to the new unit. (But the time frame is limited so don't forget to officially add the unit to your policy!)

Coverage in 31 states and growing!

Power Sports Insure Coverage Map

Frequently Asked Questions

How can I get an insurance quote from the PowerSports Insure Agency?

You can get your insurance quote by cal I ing our friendly insurance professionals at 1-518-725-7000 or by applying via our secure online forms.

What powersport products can you cover?

Almost anything! We can cover any type of motorcycle including ditt bikes, scooters and mopeds, snowmobiles and snow bikes. We insure golf carts and electric vehicles. All types of ATV's including side-by-sides, UTV's and three wheelers. We can also insure Segways. Then we also insure almost any type of vvatercraft including personal watercraft. We insure RV's, motorhomes. travel trailers. mobile and manufactured homes.

What other products does the PowerSports Insure Agency specialize insuring?

We specialize writing insurance on anything fun. This includes ATV's, Motorcycles, Side-By-Sides, Snow Bikes, Snowmobiles, Boats. Personal Watercraft RV's, Travel Trailers. Fish Houses, Manufactured Homes and Motor Homes. We usually can save you money on these money on these policies as well! Writing a second policy with us may also reduce your insurance premium cost by getting you a multi-policy discount!

Didn't see your question?

If you have any other questions or need further assistance please feel free to contact us by calling our friendly insurance professionals at 1-518-725-7000.

How does the Powersports Insure Agency get the best prices on motorsports insurance?

Insurance for any type of recreational motorsport can vary greatly. Here at the PowerSports Insure Agency, we can usually beat everyone else's premiums. We accomplish this in several ways. One. we are independent agents. This means we have multiple companies to compare rates and coverages. Two, we are trained experts. not only do we know insurance, we ride and operate most recreational powersports ourselves. Third, we know certain ,vays of entering your information that helps get you the lowest price. Companies have many discounts ,which many agents miss.

Do I need to insure my transport trailer or is that covered on my auto insurance policy?

Damage to your trailer is not covered by your auto policy unless specilically scheduled. We can usually add comprehensive and collision damage for our trailer when you fully insure at least one unit.

Do I need special proof of insurance if I bring my motorcycle, ATV or snowmobile to Canada?

Yes. can issue you a Canada Non-Resident lnter-Provincial Motor Vehicle Liability Insurance Card.

Don't wait, get a free quote today!

Get a quote by phone.

Have questions or prefer a quote over the phone? Feel free to call our friendly insurance professionals  at 1-518-725-7000.

Get a quote online.

Applying for a secure quote online with Power Sports Insure is easy! Simply click on the "Apply Online for a Free Quote" button below to get started!