Will Homeowners Insurance Cover a Stolen ATV?

In some cases, home insurance covers belongings outside the home. Items such as clothing, plants, and sporting goods may be covered, even when you take them beyond the boundaries of your Chester, NJ property. However, does homeowners’ insurance protect your all-terrain vehicle (ATV) if it is stolen or damaged?

Does Home Insurance Cover ATVs?

Home insurance typically does not cover motorized vehicles, including ATVs, snowmobiles, or cars. Some policies may offer basic liability protection if you use an ATV on your own property, but they will not cover theft or accidental damage. To ensure your ATV is protected, it is best to purchase a separate ATV insurance policy. This is the only way to guarantee coverage for a stolen or damaged all-terrain vehicle.

Types of ATV Insurance

If you want theft protection, it is important to choose the right type of ATV insurance. Comprehensive coverage will protect your ATV against theft and other risks. Collision coverage, on the other hand, covers damage caused by accidents. Liability coverage only protects against harm caused to other people or property by an ATV rider.

Is ATV Insurance Required?

Even if you are willing to take the risk of relying solely on a homeowner’s policy, ATV insurance may be mandatory. New Jersey state law generally requires ATV liability insurance. Additionally, if you financed your ATV with a loan, your lender may require you to carry specific types of coverage.

Contact The Insurance Outfit for ATV Insurance

Shopping for ATV insurance is easy with an independent agency like The Insurance Outfit in Chester, NJ. We help you compare policies from multiple trusted carriers, saving you time and simplifying the process. For more information, call us at 908-955-7561 to speak with our friendly staff today.