Does homeowners insurance cover stolen ATVs?

Homeowners insurance policies typically cover theft of personal property, including ATVs, up to the policy's limits. However, there may be specific limitations or exclusions related to ATVs in your policy. Some policies may have lower coverage limits for ATVs than for other personal property, and some may exclude coverage for ATVs that are used for commercial purposes or that are not stored on the insured property. It is important to carefully review your homeowners insurance policy and consult with your insurance provider to understand the specific coverage and limitations for ATVs. You may also consider purchasing additional coverage for ATVs or other valuable personal property if the coverage provided by your homeowners insurance is insufficient.