Make sure that you have the proper coverage on your ATV. Nationwide Insurance offeres these useful tips when purchasing insurance for your ATV.

1. Cover your ATV with a dedicated policy

If your ATV is covered under a homeowner's policy, you may not be as protected as you think. Many riders don't realize that ATV damage usually is not covered under a homeowner's policy if the ATV is driven off the insured individual's property. Companies like Nationwide have stand-alone policies for ATVs that keep you covered on and off your property.

2. Take a safety course

These courses will take you through every step of riding, from unloading your vehicle to traversing tough trails. Many companies offer policy discounts for riders who have completed a safety course.

3. Protect the extras

If you're adding a personal touch to your ATV, check on insurance coverage first. Some policies include custom equipment as part of the standard coverage – a big benefit if you are investing in costly upgrades.

4. Stay on the road

Many owners trailer their ATVs to their favorite riding spot. Be sure your coverage includes reimbursement for lodging, transportation and meals if you are stranded due to an accident or breakdown.

5. One policy to cover everything

Check to see if one policy can cover all your motorized transportation and toys.For example, Nationwide Insurance has policies that cover up to 12 vehicles, including motorcycles, Segways, golf carts, dune buggies, and snowmobiles.