You will need to check your own individual homeowner's policy. As a rule the ATVS must have it's own policy. ATV's are titled vehicles. The come from the manufacturer with a certificate of origin which you can take and have it titled. (just because a vehicle has a title does not make it street legal.)
Most titled vehicles will need their own insurance coverage if you want to insure it.
Agency Owner, A1 Insurance LLC, Arizona, California Agency
ATV can be insured on a motorcycle policy. Home owners do not cover them you need to purchase a separte policy for them. Some auto policy may cover them as well on the same policy along with the trailer if you will be taking them let say off roading. Good Luck
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Most titled vehicles will need their own insurance coverage if you want to insure it.