Is ATV coverered on homeowner insurance?

Typically, homeowners insurance policies do not cover off-road vehicles like ATVs, dirt bikes, snowmobiles, or dune buggies. These vehicles are usually insured with separate off-road vehicle insurance policies that are offered by specific companies specializing in off-road or powersports insurance.

You need to check with your home insurance provider or review your policy documentation to confirm coverages. If necessary, seek additional insurance or discuss your particular vehicle’s insurance needs with your agent to fully understand coverage options as well as any gaps to ensure you have an insurance policy that offers sufficient protection for your ATV.