Does home owners insurance cover utility vehicles?

Typically, homeowners insurance does not cover utility vehicles such as golf carts, utility trailers, or all-terrain vehicles (ATVs). These types of vehicles are typically covered under a separate auto insurance policy.

That said, some homeowners insurance policies may offer limited coverage for utility vehicles, such as coverage for theft or vandalism while the vehicle is on your property. However, it is important to check with your insurance provider to determine the extent of coverage for your specific utility vehicle.

If you own a utility vehicle, it is important to make sure that you have adequate insurance coverage to protect your investment. You can do this by purchasing a separate auto insurance policy or by checking with your homeowners insurance provider to see if your policy offers limited coverage for your utility vehicle.