My ATV is already insured on my homeowners policy…right?

We often hear individual say they don’t need an ATV policy because their homeowners already covers it.  As a blanket statement, this is a dangerous belief.  This is only true when it is used for the sole purpose of maintaining the residence.  This means that if you normally use the ATV to plow snow in your drive but one day pull your children around on a sled, you have unintentionally voided coverage.  Along the same lines, anytime the ATV is used off the residence premises, coverage does not go with you.

Since it is rare if ever that ATV’s are used for the sole purpose of maintaining the residence, the solution is to maintain a policy specific to ATV’s.  The coverage is not expensive and removes all doubt at the time of a claim.

We invite you to contact us with any questions 309.833.1755.