Are ATVs covered under Homeowner’s Insurance?

This is a question that we get asked a lot. And the answer is, unfortunately, it depends. Every homeowner’s insurance policy is different, so you’ll need to check with your provider to see if your particular policy covers ATVs. However, in general, most homeowner’s insurance policies will not cover ATVs. That’s because ATVs are considered recreational vehicles, and most homeowner’s insurance policies only cover vehicles used for transportation purposes. So if you’re looking to insure your ATV, you’ll likely need to purchase a separate policy specifically for it. We can help you with that. Give us a call or visit our website to get started.

What is Homeowner’s Insurance?

Homeowner’s insurance is a type of insurance that helps protect your home and belongings in the event of damage or destruction. It can also help cover the cost of repairs or replacement if something happens to your home. Homeowner’s insurance typically covers the dwelling itself, as well as any other structures on the property, such as a garage or fence. It may also cover personal belongings inside the home, such as furniture and clothing.

What does Homeowner’s Insurance cover?

There are a lot of different types of homeowner’s insurance policies, and each one covers different things. Some policies will cover your personal belongings, while others will only cover the structure of your home. And some policies will cover liability, in case someone is injured on your property.

To figure out what your policy covers, you’ll need to read through it carefully or talk to your insurance agent. But in general, here are some of the things that homeowner’s insurance usually covers:

  • The structure of your home (including the roof, walls, and foundation)
  • Your personal belongings (like furniture, clothing, and electronics)
  • Other structures on your property (like a detached garage or shed)
  • Liability coverage (in case someone is injured on your property)

Does Homeowner’s Insurance cover ATVs?

ATVs, or all-terrain vehicles, are a popular type of recreational vehicle. They can be used for off-road riding, racing, and other activities. Many people wonder if their homeowner’s insurance policy will cover their ATV in case of an accident or damage.

The answer to this question is that it depends on the specifics of your policy. Homeowner’s insurance typically covers personal property for physical damage and liability. However, there may be some exclusions or limitations depending on your insurer. It’s important to read your policy carefully and talk to your agent to make sure you understand what is and isn’t covered.

If you want to be sure that your ATV is covered by insurance, you can purchase a separate policy specifically for it. This will give you peace of mind knowing that you’re protected financially in case of an accident or other incident.

How to get coverage for your ATV?

Assuming you would like tips on how to get coverage for your All-Terrain Vehicle (ATV), there are a few things you can do. You could purchase a separate ATV insurance policy, which offers standalone coverage for your off-road vehicle. This type of policy typically covers liability, collision, and comprehensive damage, as well as any accessories or customizations you’ve made to your machine.

If you don’t want to get a separate policy, see if your homeowner’s or renter’s insurance will extend to cover your ATV while it’s being stored on your property. Some insurers offer this as an “add-on” to your existing policy for an additional premium, so it’s worth checking into. If you plan on using your ATV away from home, see if your auto insurance will cover it in the event of an accident – but keep in mind that most policies only extend to vehicles used for recreation, not work or farming.

Alternatives to Homeowner’s Insurance for ATV coverage

There are a few alternatives to homeowner’s insurance for ATV coverage. One option is to purchase an ATV insurance policy, which can be found through most major insurers. Another option is to purchase a stand-alone policy through a company that specializes in outdoor recreation insurance. Finally, some people choose to self-insure by setting aside money each month to cover potential damages.


In conclusion, whether or not your ATV is covered under your homeowner’s insurance policy depends on many factors. It is important to check with your insurance agent to see if your policy covers ATVs, and if it does, what the coverage limits are. Additionally, you may want to consider purchasing a separate insurance policy for your ATV to ensure that it is fully protected in the event of an accident or theft.

John Webler a writer for Offroadbible
John Webler

Hi there, I'm John Webler, the owner and a writer for Offroadbible, a website that covers everything related to ATVs, dirt bikes, and UTVs. As a lifelong off-roading enthusiast, I have a deep passion for exploring the great outdoors on two and four wheels. I have spent countless hours tinkering with engines, navigating rough terrain, and pushing the limits of what these machines are capable of.

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