i havent called my homeowners insurance company yet, but if my atv was stolen shouldnt that be covered by my homeowners insurance. just wondering if anyone has had theres stolen, and if it was covered? i figured i would ask you guys first, cause i know i will be on hold all day with them. thanks

 

Here your home insurance policy doesn't cover an ATV. Also it is recomended to have PLPD on your ATV that your home insurance wouldn't have.

 

sorry for the stupid question, but what is plpd?? i have read on some previous posts people are paying between $180 -$400 a year for insurance. I checked with my auto insurance company and they dont offer atv insurance. I also called a few others i found on the internet and they dont offer it in wv. do you know of any others i could try?? thanks again

 

i did progressive ins. right over internet.

 

PLPD stands for public liability and property damage, this is the minimum insurance you should have, it covers you if you hurt someone or something. Just make sure you have limits you are happy with. This insurance does nothing for you if your ATV is stolen, crashed, fire, or damaged in any way for that you would need comp and or collision. I have State Farm Ins. it costs me $14 per month with $100 deductable for comp/coll for my p700.

 

I don't think that homeowner's insurance covers ATV in any state. I just bought from ATV-Line, which is a Markel-owned company. I live in Jackson, MS (crime central), so my rate was 338/yr. with a 500 deductible. You should get a lower rate if you don't live in an area where people tend to steal anything in sight.

 

Hey, Mobyguzzer, this is off the subject, but how do you like your Mudlites on the Prairie? How do they compare with the stock rubber on hard-packed trails?

 

i have my V-Force covered by Progressive. it's very cheap. right now i have it at the lowest level since it's winter here and i don't ride much. once spring hits i will bump it up to cover everything. so even if i'm out jumping and i breaksomething or i roll it, it will be fully covered to be fixed. that comes to like $200 a year i think.. cheap if you ask me. if the motor blows it's fixed.. if it's totaled they pay it off or get me a new one. SWEET !!

 

that is awesome it covers the motor too. i tried progressive and they dont offer it in wv. i will continue to look around. thanks again

 

it covers eveyrhing... if i roll it and need new plastic, if the motor blows, rims get bent, theft, fire, hurricane, tornado, flod, nuclear blast, end of the world.. anything.. after the deductable of course.