Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
Exploring California’s backcountry or desert trails with your ATV, UTV, or other off-road vehicle is a thrilling way to enjoy the outdoors—but it comes with its own set of risks. Off-road insurance helps protect your vehicle from damage, theft, and liability whether you’re riding through the mountains or storing it between adventures.
At Nikki Farag Insurance Agency, we offer specialized coverage for a wide range of off-road vehicles, including dirt bikes, dune buggies, and side-by-sides. We’ll help you build a policy that fits how and where you ride—so you can hit the trails with confidence and peace of mind.
Off-road and ATV insurance is designed to help protect your vehicle from the unique risks that come with riding off the beaten path. Coverage typically includes protection against direct and accidental physical damage, such as collisions, rollovers, fire, vandalism, theft, and certain weather-related events like hail or flooding. Many policies also cover permanently installed accessories like winches, racks, and custom modifications.
In addition to physical damage, your policy can include liability coverage in case you’re responsible for injury or property damage while riding. Optional add-ons like uninsured motorist coverage, medical payments, and transport trailer coverage can provide even more protection. Whether you’re exploring desert trails, forest paths, or sand dunes, off-road insurance helps ensure you’re financially protected wherever the ride takes you.
Collision coverage helps pay for damage to your vehicle if you hit another vehicle or a stationary object. It can also extend to accessories like skid plates and safety gear such as helmets.
Uninsured motorist coverage provides protection if you’re injured or your vehicle is damaged by a driver who doesn’t have adequate insurance.
Liability coverage helps protect you if you’re responsible for an accident that causes injuries to others or damages their vehicle or personal property.
Comprehensive coverage helps protect your vehicle from losses caused by events other than collisions—such as theft, vandalism, hail, fire, or encounters with animals. In short, it covers almost anything that isn’t a driving accident.
Whether you ride for sport, work, or weekend fun, your off-road vehicle deserves the right protection. At Nikki Farag Insurance Agency, we understand the unique needs that come with owning an ATV, UTV, golf cart, or dune buggy. We’ll help you customize coverage that fits how and where you ride—so you can focus on the adventure ahead with peace of mind.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
Off-road insurance can cover a variety of recreational vehicles, including ATVs, UTVs, dirt bikes, dune buggies, golf carts, and other vehicles designed for off-highway use.
Insurance isn’t always legally required for off-road vehicles in California, but it’s strongly recommended—especially if you ride on public lands or trails, or if the vehicle is financed.
Most homeowners or auto policies don’t fully cover off-road vehicles, especially for accidents or liability while riding. A separate off-road policy provides broader and more specific protection.
It usually includes coverage for collision, comprehensive (non-collision events like theft or fire), liability, medical payments, and sometimes accessories or safety gear.
Yes, if you have comprehensive coverage, your policy can help pay for losses caused by theft, vandalism, or other non-collision-related incidents.
Collision coverage can help pay for repairs or replacement if your vehicle is damaged in an accident, including hitting stationary objects or rollovers.