At Red Zone Insurance, we can provide insurance coverages for your ATV, Jet Ski or off-road vehicles in West Palm Beach and throughout the state of Florida. If you own an ATV or off-road vehicle, you need to make sure that you have the right coverage in case of an accident or loss. While some homeowners insurance policies may cover certain liabilities, in most cases Florida residents need an additional ATV policy to give them the complete coverage they need.