NOT all home owners will COVER atv's . I know I just bought a 2000 Sportsman 500 and my agent is with state farm ins., he said that if it COULD be titled that it had to have a seperate policy. I pay $235 a yr. that full coverage $6800 plus $1500 in acessories thats with POLARIS PRO FAMILY INS.

POLARIS SPORTSMAN 500 IS THE ULITIMATE MUD SUBMARINE ,YET TO BOG IT DOWN


COOKIE
COOKIE

 

Homeowners insurance only cover atv's while they are on your own property and It only covers to a certain point.

 

I pay about $65 per year full coverage for my '98
Scrambler 400. My '93 Sportsman 350 is covered under it's own policy for $16. But that's only for
liability, my homeowners covers theft because I use it for snow plowing.

I learned this the hard way when my cherry '85 350X was stolen they wouldn't pay. They told me
I neglected to buy theft coverage. But they
were the ones who gave me the wrong coverage. A
motor vehicle must have it's own theft policy
unless it's used for work around your property.

Nationwide gave me a good lesson, the agent doesn't work for you, they work for the insurance
company. So always beware when dealing with an agent, they don't have your welfare in mind, their
first priorty is the company.

 

Rammer-

I know that State Farm homeowners will still not cover the atv on your property, I had mine stolen out of my truck.

Scott

 

$95/year

 

Since it was stolen from your truck, did you check with your auto insurance? They might have been able to help you. Laws differ from state to state, thats another reason for the range of insurance prices that we see.

 

We pay $117.00 per year for a 2000 Mag 500.With a $100.00 deductable.American Family Ins.

 

Got a quote for $94 a year from Progressive for Mag 500 with 100 Ded. Half of what my homeowners wanted. Thanks guys.

 

wrong, your HO policy will not respond in a loss, just like your automobile isn't covered under homeowners. this is a very common assuption made by people.