The answer to that question is no, your all-terrain vehicle (ATV) will not be covered under your homeowner’s insurance policy. Homeowners insurance excludes motor vehicles of any kind with little exception. However, there are options for ATV Insurance.
If you own an ATV (4-wheeler, snowmobile, dirt bike, etc.) and it is stolen, destroyed in a garage fire, or damaged in an accident such as rolling it over or running into something, you will most likely find that your homeowner’s insurance will not cover the damages.
What is considered an ATV?
All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.
Is my ATV covered if it is in my garage?
Most people think that if the ATV is in their garage, they will be covered. Unfortunately, that is not the case. ATV vehicles that require registration (4-wheelers, snowmobiles, dirt bikes) need to be scheduled for coverage or have a separate policy.
What insurance do I need for my ATV?
When it comes to your ATV, you will need to purchase a separate insurance policy to have coverage on it. Like your car insurance policy, you can go with the minimum state requirement, or you can opt to have additional coverage on your ATV to protect your finances if it is damaged or you are injured while riding it.
Is a lawnmower considered an ATV?
Items such as a lawnmower, which is used to service your property and does not need to be registered, will fall under your homeowner’s insurance coverage. However, keep in mind that limitations exist depending on the type of peril – for instance, many policies may not offer coverage if the vehicle is taken off-premises or overturns. Your best bet is to call us and ask – that way you will know what needs to be done to make sure you are protected.
Contact your Hertvik Insurance agent to help get you’re the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you focus on having fun.