Does Homeowners Insurance Cover Stolen Atvs?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Typically not. Motorized lawn and garden tools are covered, but motorized vehicles for either road or off road use are not. ATV's, motorcycles, boats and PWC's and RV's should be covered under a separate policy. These policies are readily available and offer special coverages that are not typically offered in automobile policies, for example. Replacement guarantees, custom detailing, riding gear and so on in many cases are included. Some companies offer multi policy discounts so it is wise to shop around.

   Answered on May 9, 2013

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