As summer turns to fall, many ATV enthusiasts are enjoying time on their favorite trails. You need to make sure your insurance coverage is in gear before heading out for a ride.

Over the past decade the popularity of ATVs has grown, with over seven million currently in use. Whether you’re riding a sport or utility ATV, it’s imperative that you protect your quad with the proper insurance coverage.

ATV owners should consider the following tips when choosing coverage for their vehicles.

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. Many companies have stand-alone policies for ATVs that keep you covered on and off your property.

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.

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.

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. Some policies provide assistance for riders in unexpected situations.

Check to see if one policy can cover all your motorized transportation and toys. Some policies cover up to 12 vehicles, including motorcycles, Segways, golf carts, dune buggies, and snowmobiles. Whether you travel on two wheels or four, don’t forget the proper coverage.

Some policies cover theft, collision, vandalism, and damage caused by uninsured or underinsured drivers with some conditions and exclusions.

Have fun and be safe!

EDITOR’S NOTE — Bob Pittser has been licensed with Nationwide Insurance and Financial Services since January 1984. He is a native of Lynchburg and graduated from Lynchburg High School. He has a bachelor’s degree from Union College and a master’s degree from Xavier University.