Is a utility vehicle cover by homeowners?

Generally, utility vehicles such as golf carts, ATVs, UTVs, and off-road vehicles are not covered under standard homeowners insurance policies. These vehicles are considered recreational vehicles and may require separate insurance coverage.

However, it's essential to review your specific homeowners insurance policy and consult with your insurance provider to obtain accurate information about your coverage. Some insurance companies may offer optional endorsements or add-ons that can extend coverage to certain types of recreational vehicles, including utility vehicles.